Protection

After speaking with you in person and discussing your precise needs, we will give you our professional advice on protection and what we think would benefit your situation. We will explain all of our products and services in full before helping you make an informed choice.

Life Assurance

Quite often you hear “it won’t ever happen to me” or “I’ll sort it out later”. Well the old maxim of ‘failing to plan is planning to fail’ is no better suited to the ignoring of crucial decisions on protection. As one would imagine, there are many types of Protection Policies to choose from. Finding one that provides adequate cover and the right protection is not as easy as you may think. As Independent Mortgage and Protection Advisors’ we can help you find the one that best meets your requirements.

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Critical Illness Cover

Critical illness cover, also known as critical illness insurance, is a long-term insurance policy which covers serious illnesses listed within a policy. In the event of being diagnosed, the policy will pay out a tax free lump sum, one-off payment.

Do I Need Critical Illness Cover?

The lump sum payment is usually used to cover mortgage debts, allow for time off work and even help with adjustments in your lifestyle depending on the illness.

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Income Protection

Income protection protects you against loss of income due to unemployment, illness or accident. This type of insurance will continue to pay out until you are able to return to work until the end date of the policy.

Who Is Suitable For?

This type of plan is for anyone who is earning taxable income. The policy usually pays out for longer than sick pay does from employers.

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Mortgage Payment Protection

Mortgage Payment Protection is designed to cover the cost of your mortgage payments in the event of an accident, sickness or unemployment stopping you working.

Is It For You?

This type of protection is designed for people who are worried about not being able to repay their mortgage from losing income due to accident, sickness or unemployment.

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Business Protection

Business protection is often forgotten. Providing a lump sum to cover key persons or shareholders in the event of an unexpected situation can help a business minimise disruption to their every day trading.

Different Types Available:

Keyman Insurance
Shareholder Protection
Loan Protection
Group Benefits

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Why Not Speak To Us Today?

Most of our services are “fee free”. Which means it doesn’t cost you anything to use our services. No hidden charges or secret costs. Speak to our team today and find out how we can help.

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I don't normally write reviews but we feel so lucky to have been referred to Every Mortgage Solution Ltd. Emma provided us with a great service from start to finish. I have already recommended them to friends and definitely will be using their services again in the future. Completion of our home improvement work depended on releasing funds from our existing mortgage. To put it bluntly, our previous mortgage advisors did not deliver and wasted 3 months of our time in the process. The entire experience was very stressful and the outcome was extremely disappointing. I am so grateful that we were passed Emma’s details by a colleague at work. Having been through the mortgage application process many times over the past 15 years it was so refreshing to feel confident about the advice we being given. We needed action quickly and that is exactly what was provided. As well as excellent feedback and prompt responses to solicitors’ queries, Emma is always willing to go the extra mile and was lovely to deal with. I didn’t ever feel like my queries by phone or e-mail (however big or small) were being dodged or dismissed and the mortgage offer we received from HSBC was very competitive. From start to finish it took 4 weeks for a formal mortgage offer and a further 4 weeks for our solicitors to complete on the transaction. We are beyond happy as we’re able to finish our building work well before Christmas. A big & grateful sigh of relief! Sol.
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Solomon C.
Emma has been absolutely amazing! She did both of my mortgages at the same time and got me two great offers within a few weeks! I didn’t have any family or friends to support or guide me throughout this process but have been so lucky to have found Emma who was there for me all the way answering every single question I had and giving me all the top tips; I am forever grateful and cannot explain how much I appreciate all of her efforts. I am much more knowledgable and confident now and know that when I want to buy again I have someone I can trust 100%. Do not have any doubts about working with her, she will be the best thing about the process, and you will get to relax while it’s all being done for you.
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Gulsah T.
Great experience with Every Mortgage solution. They definitely live up to the name! After speaking with various brokers none could arrange a mortgage for us due to a slight different circumstances we had. Spoke to Emma, and she knew exactly what to do from the initial call and who to speak to regarding our mortgage. Through the process as well she was always ready to help. Overall a great experience and thank you for helping with our first home purchase!
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Bilal J.
Emma at Every Mortgage Solution Ltd was such a fantastic mortgage advisor. She was helpful, professional and gave excellent guidance throughout the process. We were a little unsure at times as our purchase wasn't the smoothest but Emma was always quick to answer our questions, happy to offer support and was key in helping us secure the purchase. I could not recommend her enough!
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Helen R.
Emma was recommended to me by my previous mortgage broker following his retirement. I was very impressed with her service, she was very thorough, and even challenged the lender after they refused to proceed following the surveyors report. Her communication has been excellent. My re mortgage has now been completed. Thanks again Emma!
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Swelon
Without the help we received from Emma at every mortgage solution Ltd we would have been lost, she helped us with anything and everything we needed help with. She made a very stressful process much easier. We couldn't recommend her enough, we are extremely grateful for everything she did.
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Matthew G.
Emma is unbelievably good, I've used her for two mortgages and she's never put a foot wrong, incredibly professional, always super prompt and attentive. It's made what is usually a stressful and long process feel like a breeze. I couldn't recommend her enough.
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Megan J.
Emma was always happy to answer any of my questions everyday. Very quick to get back to me on any information. Enma was very professional and exceedingly helpful during and after we received our mortgage. We would not have been able to get a mortgage without her. Would not use anyone else!!
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Beth C.
Emma was always very prompt in dealing with any enquiry that came up during our remortgage process. She advised us on the best product and guided us through the whole process. She is easy to talk, helpful, and positive person. Thank you !!
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Fernanda S.
We recently used Emma to buy a new build property. We were totally unsure what we could borrow and thought the house of our dreams was out of our reach. Emma quickly made us realise that it was very and made the whole application process simple and quick. She was always on the phone and email to answer any question quickly, no matter how big or small.We then used Emma to buy life insurance and again she made the process quick and easy.I would highly recommend Emma and will certainly be using her for any other mortgage enquiries in the future.
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Grace P.
I used Emma to help me with a mortgage on my first home in England. There were lots of complications along the way and many times when I thought it it wouldn’t happen. With Emma’s incredible knowledge of the industry we overcome all our glitches, and her guidance and care made everything seem easy. I have no hesitation in recommending Every Morgage Solution. Delighted by the entire experience.
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Lee M.
My name is Charlie I was reccomended Emma at every mortgage solution by a colleague of mine for the purchase of my first property. Being a first time buyer I was very anxious and worried about the whole process but Emma put my nerves at ease every step of the way and was very nice and understanding. During the exchange of my property Emma was incredibly responsive with every email and call and was always friendly even though I was probably a nuisance at times. Emma also went above and beyond her role many times during the process to chase unhelpful solicitors which I'm very grateful for. Id reccomend Emma to anybody trying to buy a property that whats a good quality friendly service.
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moore370
Absolutely amazing service would highly recommend to anyone. I was a first time buyer and Emma went above and beyond to help me even answering all my annoying questions that I had being a first time buyer which has made the process infinitely less stressful.
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Toby M.
Emma is absolutely amazing to deal with. Very forward thinking, looking at all angles and future benefits rather than just the task at hand.As a property investor, Emma has guided me through many purchases and without fail always offers a personal approach in every case.I actively refer my own personal and business related contacts to Emma and will continue to do so...
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Blake
My name is CharlieI was reccomended Emma at every mortgage solution by a colleague of mine for the purchase of my first property.Being a first time buyer I was very anxious and worried about the whole process but Emma put my nerves at ease every step of the way and was very nice and understanding.During the exchange of my property Emma was incredibly responsive with every email and call and was always friendly even though I was probably a nuisance at times.Emma also went above and beyond her role many times during the process to chase unhelpful solicitors which I'm very grateful for.Id reccomend Emma to anybody trying to buy a property that whats a good quality friendly service.
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moore370
Emma was amazing, from start to finish! She was informative, prompt and always looking to get me the best deal! Emma was happy to answer any questions and put my mind at ease when I was worried about the effect Covid- 19 may have had. Thank you!Highly recommend x
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Ciara O.
Emma was fantastic throughout the whole process. We had a few complications due to being self-employed and Emma handled all of that for us. She has a lot of knowledge and experience of the industry and made it all very simple for us.
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Harvey M.
We recently completed on a new property mortgage which Emma was able to arrange for us. Emma from the first minute was extremely diligent and understanding even taking my calls or responding to my e-mails at anytime. Truly amazing working with her and its a shame I can only give 5 stars. I wouldn't hesitate at recommending and will certainly be using their services again.
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Mark B.
I highly recommend Every Mortgage Solution Ltd. Having worked with Emma Faulkner, I have received professional and expertise in order to navigate through the options to obtain a mortgage. Emma was very diligent in keeping me informed about next steps and expectations. We managed to secure a very good mortgage that fulfilled our needs. Thank you Emma!
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Diogo F.
We had very specific mortgage requirements due to my self employed status and need for a quick completion. Emma came highly recommended by the estate agent so we got in touch.She was able to recommend providers based on our needs and talk us through the pros and cons of each product and provider in an easy to understand way.Emma was extremely helpful, knowledgeable and prompt throughout.I'm pleased to say that everything regarding the mortgage went smoothly and we're now in our new home.We were so pleased with the service received that we also asked Emma to assist with our life insurance as well, which has also been sorted with ease.I've already recommended Emma (Every Mortgage Solution Ltd) to several people and will be gladly employing her services again in the future.
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Mark W.
As a first time buyer the whole financial aspect that comes with purchasing a house (with added complexities of utilising the 'Help to Buy' scheme) was quite daunting. However, Emma was not only professional and timely throughout the whole process but went above and beyond to help get me to completion. I thought the service was impeccable and I can only praise her attention to detail and the speed at which all the paperwork and applications were processed (importantly obtaining very competitive prices). I would highly recommend the services of Every Mortgage Solution!
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Timothy E.
Emma was the most helpful person throughout our stressful experience of buying our first home. She was able to obtain 3 different mortgage offers with a quick turnaround when the price of the house changed twice! We will definitely use Every Mortgage Solution in the future.
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Ryan S.
What can I say. There was nothing that was too much trouble. We could not have done this without Emma, and she has been amazing throughout , doing everything possible to ensure we spend Christmas 2020 at the new property. Highly recommended.
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Scott D.