Are you looking to get on the property ladder? There are some excellent mortgage deals available to first time buyers at the moment. We are able to talk though your mortgage options and I can guide you through every step of the process. We offer a comprehensive range of mortgages from across the market, but not deals that you can only obtain by going direct to the lender.
We can only offer products from a limited number of insurers for life assurance, critical illness cover, income protection, buildings and contents insurance, and accident, sickness and unemployment insurance. Ask us for a list of insurers we offer insurance from. Kevin Bower is a Mortgage and Insurance broker specialising in arranging all types of residential and buy to let mortgages.
I also advise and arrange life insurance, critical illness insurance, income protection and buildings, contents insurance and a whole host of business insurance. The information on this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.
We can only offer products from a limited number of insurers for life assurance, critical illness cover, income protection, buildings and contents insurance, and accident, sickness and unemployment insurance. Ask us for a list of insurers we offer insurance from. Kevin Bower is a Mortgage and Insurance broker specialising in arranging all types of residential and buy to let mortgages.
I also advise and arrange life insurance, critical illness insurance, income protection and buildings, contents insurance and a whole host of business insurance. The information on this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.
Services
Kevin Bower is a Mortgage and Insurance broker specialising in arranging all types of residential and buy to let mortgages.
I also advise and arrange life insurance, critical illness insurance, income protection and buildings, contents insurance and a whole host of business insurance.
At a time, place and method convenient to you I will guide you through the mortgage selection process and advise you on the most suitable mortgage and insurance products available to meet your needs and demands.
I have a wealth of experience over 25 years working for city banks and large insurance companies.
I also advise and arrange life insurance, critical illness insurance, income protection and buildings, contents insurance and a whole host of business insurance.
At a time, place and method convenient to you I will guide you through the mortgage selection process and advise you on the most suitable mortgage and insurance products available to meet your needs and demands.
I have a wealth of experience over 25 years working for city banks and large insurance companies.
We can only offer products from a limited number of insurers for life assurance, critical illness cover, income protection, buildings and contents insurance, and accident, sickness and unemployment insurance.
Ask us for a list of insurers we offer insurance from.
We can only offer products from MetLife UK for cash lump sum accident protection.
You will receive a quotation which will tell you about any other fees relating to any particular insurance policy.
For whole of life and term pure protection insurance (life and critical illness cover) we are paid by commission from the insurer.
Ask us for a list of insurers we offer insurance from.
We can only offer products from MetLife UK for cash lump sum accident protection.
You will receive a quotation which will tell you about any other fees relating to any particular insurance policy.
For whole of life and term pure protection insurance (life and critical illness cover) we are paid by commission from the insurer.
Life assurance will pay out a lump sum or fixed regular income if you die within the specified term.
This is the simplest and cheapest type of life assurance, and is known as term insurance because you choose how long you're covered for, say, 10, 15, or 20 years (the term).
It only pays out if you die within the term you've agreed.
If you live longer than the term, you get nothing.
As a couple, you can take out term assurance in joint names, but the policy only pays out once on first death.
Decreasing term insurance is often linked to a repayment mortgage (where the amount you owe decreases over time) and may, in this instance, be called mortgage term insurance or mortgage protection life insurance.
This is the simplest and cheapest type of life assurance, and is known as term insurance because you choose how long you're covered for, say, 10, 15, or 20 years (the term).
It only pays out if you die within the term you've agreed.
If you live longer than the term, you get nothing.
As a couple, you can take out term assurance in joint names, but the policy only pays out once on first death.
Decreasing term insurance is often linked to a repayment mortgage (where the amount you owe decreases over time) and may, in this instance, be called mortgage term insurance or mortgage protection life insurance.
It replaces part of your income (tax free) if you are unable to work for a long period of time because of illness or disability, and will continue to pay out until you can return to some kind of paid work or reach retirement, whichever is sooner.
It has a waiting period before it will start to pay out.
The longer you agree you'll wait, the lower your premiums will be, so it is important you find out what income you can get from your employer, and other insurance (such as mortgage payment protection insurance) in the event of illness or disability.
It has a waiting period before it will start to pay out.
The longer you agree you'll wait, the lower your premiums will be, so it is important you find out what income you can get from your employer, and other insurance (such as mortgage payment protection insurance) in the event of illness or disability.
Critical illness insurance is a long-term insurance policy designed to pay a lump sum on the diagnosis of certain life-threatening or debilitating (but not fatal) conditions such as a heart attack, stroke, certain types/stages of cancer, multiple sclerosis and loss of limbs.
The illnesses covered will be specified in the policy along with any exclusions and limitations - these differ between insurers.
Critical illness policies only pay out once, so are not a replacement for income.
You can use the payout to pay for medical treatment, pay off your mortgage or anything else.
The illnesses covered will be specified in the policy along with any exclusions and limitations - these differ between insurers.
Critical illness policies only pay out once, so are not a replacement for income.
You can use the payout to pay for medical treatment, pay off your mortgage or anything else.
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