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Your home may be repossessed if you do not keep up repayments on your mortgage.


Taking on a mortgage is often a large and long-term commitment, and it’s important to consider how this commitment could be met if your circumstances unexpectedly changed.


When taking on a new mortgage, it is important that you consider the impact a change in circumstances can have.

At LB Mortgage Solutions, we pride ourselves on making sure our clients are fully aware of the options available, and we are strong believers in the protection offered by the right policy for the right circumstances.

These plans have no cash in value at any time and will cease at the end of the term. If premiums are not maintained, then cover will lapse.

Life Cover

Simple in its nature, life cover is designed to pay a sum of money upon death.

However, the difference this can make can be life-changing at a time of great loss.

Whether this is to repay a mortgage or other debts, provide a lump sum for the family or replace an income long term, the benefits can be significant.

These plans have no cash in value at any time and will cease at the end of the term. If premiums are not maintained, then cover will lapse.

Critical Illness

Like life cover, this type of policy is designed to pay a lump sum of money at a time when it’s needed.

As the name suggests, these policies will pay out on diagnosis of certain illnesses, which are considered serious or critical.

The majority of claims are made on diagnosis of cancer, heart attacks or strokes, but these types of policy cover for numerous specified illnesses and conditions. This type of policy can provide the money to allow you to make choices at a time when you are battling against the unexpected. Whether the money is used to repay a mortgage and protect your home, used to seek specialist private treatment, replace an income while you recover, or allow you to modify your home to your change in circumstance, the choice is yours.

Plans may not cover all the definitions of a critical illness. The definitions vary between product providers and will be described in the key features and policy document, if you go ahead with the plan.

Income Protection

It’s easy to take our health for granted when we feel well and take the view that “it won’t happen to me”.

If you are taken ill unexpectedly then making sure you can pay your mortgage and keep the roof over your head can be an added burden at a time when you are unable to earn an income.

Unlike life cover or critical illness cover, income protection is designed to replace your income on a regular basis until such time you are able to work again or the policy ends. In most cases, you can insure for up to 60% of your earnings.

The type of protection most suitable for you will depend on your circumstances and priorities, and in some cases it may not be relevant at all. We take the protection of our clients seriously, and we will make sure you understand what is available to you, the costs involved and the limitations of any policy we arrange. We will also consider the use of trusts to make sure the money goes into the hands of those it is intended for, as fast as possible and in a tax-efficient manner.

Protecting your mortgage may not be the most exciting part of the process for you, but it may just be the most important part.

There are other providers of Payment Protection Insurance [Short-Term Income Protection] and other products designed to protect you against loss of income. For impartial information about insurance, please visit the website at www.moneyadviceservice.org.uk



Client testimonials

Andy Sewell has made all of our property dreams come true. He is so dedicated to finding the right mortgage. He often makes the seemingly impossible possible with his insight and experience. Most importantly, I trust him implicitly.

Suzanne Lloyd

Andy and his team at LB made what I thought was the impossible, possible. Their care , attention to detail and professionalism took all of the stress out of re mortgaging my home and I couldn't be more grateful - I won't be going anywhere else.

Jacey Bloomberg

I found them to be very professional, extremely helpful and knowledgeable. After the first conversation, I felt Andy knew exactly what I needed and how to go about achieving it. As a sister company of my accounts they had all the information they needed to hand to get the application prepared quickly and efficiently.  Within two weeks we had a mortgage offer on the table and the house was secured.

Jeremy Richold

We were at the end of our search after using a handful of FA's in finding a mortgage, and lost hope without any affordable rates from a High Street lender. We were recommended Andy and he turned it 360 degrees into complete happiness for the both of us, with a perfect rate mortgage and lender. Andy is truly professional and driven to help in any way possible. Thank you for all you have done for us, we couldn't have had this home without you.

Jemima H

Both my wife and I have always been happy with the service provided by Peter Chattey and LB over the last 5 years and have and will continue to recommend them to friends and family.  

Jaimin Parmar

We have used Peter and Hannah at LB a few times now. Every time they blow us away with their knowledge and service. Peter’s knowledge of the industry is second to none and he applies for the right mortgage to suit our situation, first time, every time, saving precious time and stress. Hannah is then super organised and efficient at completing all the admin and keeping us informed. I can't say enough about this company, we wouldn't ever look anywhere else for mortgage/insurance advice, a first class service.  

Glyn Trundle

LB have been my mortgage broker for over 5 years. I have always found them responsive and professional. What I find remarkably different about LB is that they don't come to you with a problem. If there is ever a problem they will present a plan of action to move forward. A rare find in business today. 

Joanne Dron

Peter has been advising us on various mortgage issues for a number of years. He made it all so clear for us, explaining what was needed and sorted everything out for us. His advice on long term planning has proved to be invaluable. Peter has a very professional approach to his work and, after each visit to our home, he later forwarded a very detailed report explaining the current situation. We have peace of mind knowing he is just a phone call away. We have and will continue to have absolutely no reservation in recommending him to our friends and family.

Nicola White

Hannah has been a superstar when dealing with such an annoying pest of a customer like myself :) she has held my hand and walked me through the whole process and couldn't of done more for me, she explained everything in fine detail, in words and ways i could understand. Would be recommending her and LB to friends and family and will be looking forward to doing this again in the future.

Dean Franklin 

Professional and reliable advice, all avenues explored within the market for the best client outcome.

David Leigh

Head Office

Swift House,
18 Hoffmanns Way,
Chelmsford, Essex,

Tel: 01245 806 312
Email: info@lb-ms.com

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