Who We Help

Mortgage and protection advice works differently depending on how you earn. Not everyone's income arrives as a monthly payslip, and not every career carries the same risks. A day rate, a dividend, a locum invoice or an active-service posting all get assessed differently, by lenders and insurers alike.

The pages below set out how it works for five groups we advise most often. Each has a mortgage page and a protection page, because the two questions are rarely separate.

If your situation isn't covered here, it doesn't mean we can't help. These are simply the cases that come up most, and the first conversation is free either way.

Contractors & Day-Rate Workers

Lenders who assess your day rate rather than three years of accounts, and income protection to cover the sick pay no employer is providing.

Contractor & Day-Rate Mortgages  ·  Income Protection for Contractors

Company Directors

Salary, dividends and retained profit assessed properly, plus personal and business protection including Relevant Life Plans.

Company Director Mortgages  ·  Protection for Company Directors

NHS & Medical Professionals

Enhanced income multiples and lenders who understand locum and rotational contracts, plus cover timed to start when NHS sick pay reduces.

NHS & Medical Professional Mortgages  ·  Protection for NHS & Medical Professionals

Teachers & Public Sector Workers

Key worker schemes and supply teaching income, plus Family Income Benefit that replaces the monthly income your family lives on.

Teacher & Public Sector Mortgages  ·  Protection for Teachers & Public Sector Workers

Armed Forces

Forces Help to Buy, overseas postings and letting your home during a posting, plus policy wording checked against active service.

Armed Forces Mortgages  ·  Protection for Armed Forces Personnel

Not Sure Where You Fit?

Give us a call and we'll work it out from there. The first conversation is free and there's no obligation.

Call us on 0161 814 9315 or request a callback.