Mortgage and Protection Advice Services

Most people focus on the mortgage and leave cover as an afterthought. Only around 38% of UK adults have life insurance. Just 15% have critical illness cover, despite serious illness being far more likely to affect working-age adults than an early death. We bring mortgage and protection advice together because they belong together.

The average UK first time buyer is now around 34 years old, with the average deposit above £68,000 and the average amount borrowed reaching £210,800 in 2025. Many first time buyers now take terms of 30 years or more and a growing number will still be repaying into their 60s.

UK mortgage approvals reached a 15-month high in 2026, and first time buyers accounted for around 20% of all housing market spending in 2025. The average property purchase price now exceeds £226,000. Getting onto the property ladder has never cost more, making it an exciting time to get proper mortgage advice from the start.

The average mortgage broker fee for a purchase sits at around £299 to £499. A combined life insurance and critical illness policy for a healthy person in their 30s can start from around £20 to £80 per month. 

**Please note this is a rough guide and the actual cost will vary based on your financial situation, the complexity of advice required, and the service you choose. We keep an updated price list on our mortgage fees page but you need to contact us for an accurate quote.

What a Mortgage Adviser Actually Does for You

Our mortgage adviser service searches across a comprehensive range of lenders, including specialist lenders not available directly to the public, to find a suitable mortgage for your situation. We look at fixed rate options and affordability based on your actual income. You can use our mortgage affordability calculator to get an early idea of how much you may be able to borrow.

Many people Google mortgage rates or use an online calculator before reaching out. Advice from someone who knows your full picture can help. When people Google their options, they often end up with more questions than answers.

Why Going Direct to a Bank Does Not Always Work

A high street bank is limited to its own range. A qualified mortgage broker working across the market gives you far more choice, which can make a real difference to your monthly payments. For most families, their earning power is worth more than the value of their house. Protecting it is just as important as a good mortgage deal.

What the Protection Advice Centre Offers

Our protection advice centre brings together mortgage and protection, life insurance, critical illness cover, and income cover into one service. People do not need to Google separate providers to piece it all together. When you Google 'mortgage and protection advice', we handle your mortgage and protection in one place. We aim to make the process as clear as possible. If you Google 'protection advice centre near me', we are here for the whole of the UK.

The Benefits of Getting Mortgage and Protection Advice Together

There are real benefits to having your mortgage and protection advice handled by one team. We look at your debt, your outgoings, your family, and the size of your loan together, so the cover we recommend actually fits your life. Google any mortgage and cover service and you will find a long list of options. Most people who Google us do so after realising a comparison site cannot give them personal advice. We aim to keep you informed throughout.

What Mortgage Cover Insurance Actually Covers

Mortgage and protection advice is not just about ticking boxes. If you cannot work due to illness, injury, or death, your payments need to keep going. Mortgage payment protection insurance may cover payments during redundancy or illness, subject to the policy terms, exclusions and waiting periods. Life insurance can pay off your mortgage if you die during the term. When people Google 'do I need life insurance for a mortgage', the answer depends on your circumstances.

The only legal requirement is buildings insurance, starting on the date of exchange of contracts. Contents insurance covers your belongings and is worth considering alongside it. Buildings cover alone does not protect your salary or your loved ones' ability to stay in the new home you worked so hard to buy.

The Cover Gap Most Homeowners Do Not Know They Have

Only around 1 in 11 UK adults has income cover, and approximately 86% have none at all. If you were unable to work, income protection can pay out up to 70% of your salary. A longer deferred period lowers your monthly premiums while still giving you a safety net.

More than 275,000 claims were paid to UK policyholders in a recent year, with £7.34 billion paid out to support loved ones. Critical illness claims alone exceeded £1.2 billion in one year.

Choosing the Right Type of Life Insurance

Life insurance helps provide financial support for your family after death. Level term life insurance maintains the same payout until the policy expires. Decreasing term life insurance falls over time in line with a repayment mortgage, which is typically less expensive. Mortgage life insurance specifically covers repayment mortgages and is one of the most straightforward options when purchasing a new home.

Guaranteed premiums stay the same throughout the policy, while reviewable premiums can increase as you age. Joint life insurance policies usually only pay out on the first death, leaving the surviving person without cover. We explain both options and look at your debt and who depends on that income before recommending anything.

How Our Equity Release Adviser Can Help You

Our equity release adviser service is for homeowners aged 55 and over who want to access money tied up in their property without selling. Whether to support friends or relatives, supplement retirement income, or fund improvements, it can open up real options many people are not familiar with. Our advisers explain everything clearly before you commit.

Equity release may involve a lifetime mortgage or home reversion plan secured on your property. It will reduce the value of your estate and may affect your entitlement to means-tested benefits. To understand the features and risks, ask for a personalised illustration.

When Did You Last Check Your Current Deal?

Remortgaging early may help some homeowners avoid a higher rate when their deal ends. Early repayment charges and fees may apply. Our free review service helps you see where you stand.

Remortgaging may reduce your outgoings or free up funds, depending on your circumstances. Remortgaging can also raise capital for renovations. Remortgaging is something our team handles regularly, and we aim to make the mortgage process clear from start to completion.

What Happens During the Mortgage Review

We compare your existing terms against what is available across the lenders we work with and give a clear answer on whether switching makes sense. We check your balance, your existing cover, and anything else relevant. If you are on a good deal already, we will tell you. The process does not have to be a stressful process. We give regular updates from beginning to completion.

We are a mortgage and protection team with combined experience across mortgage and protection advice. We work with specialist lenders and mainstream providers and can find clear answers for clients with straightforward needs and those with more complex ones.

We aim to provide ongoing support after everything is in place, because your situation does not stand still. Having one contact for your mortgage and cover can make the process simpler. People Google all sorts of things when purchasing a first home or re mortgaging. Google can give information but not advice. Estate agents handle the property side. As an estate and wealth management company, we handle your mortgage and your family's financial future.

If you are a first time buyer looking to borrow for your first home, someone remortgaging, or an existing homeowner who has not reviewed their cover in years, we are here to help make the process clear.

Get in touch with Prescient Wealth & Estate Management today for a free quote on any of our mortgage and protection services. Talk through your options on the phone, use our calculator to get an idea of what you could borrow, or request a free mortgage review. People Google us every day looking for this kind of help. Take the first step by speaking to us about your options.

Important: Your home may be repossessed if you do not keep up repayments on your mortgage. Protection policies are subject to terms, conditions and exclusions. Equity release may involve a lifetime mortgage or home reversion plan and will reduce the value of your estate.