Mortgage Protection

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Helping to secure your finance

Safeguard your dream

At Torc24 we pride ourselves not just in helping you to secure the finance on your new home but making sure you safeguard your dream, whatever life throws at you.

Once we have found you a suitable mortgage we will then turn our attention to helping you protect your home if the worst should happen. We can recommend a range of products including Mortgage Protection, Critical Illness Cover and Income Protection.

Critical Illness Cover

providing you with financial protection

If you are diagnosed with a critical illness such as cancer or heart attack, it would be great to have your mortgage paid off and thus the financial stress of this removed at a very difficult time. Critical Illness cover is designed to provide you with financial protection in the event that you are diagnosed with a specified critical condition during the term of the policy. This is particularly important if you own a property and are currently paying a mortgage. Whereas life assurance only pays out to your beneficiaries in the event of your death, if you are diagnosed with a critical illness, your insurer will pay out a tax-free lump sum directly to you. This can then be used to pay off your mortgage or even adapt your home to cater for any disability your illness may have inflicted.

Income protection

Permanent Health Insurance

Income Protection Insurance, also known as Permanent Health Insurance, is designed to provide you with a tax free income if you unable to work due to an accident or illness. This insurance allows you to concentrate on getting better rather worrying about how you are going to pay your bills.

Buildings and Contents Insurance

protect your belongings and building

When you take out a mortgage, the lender will require that you have adequate buildings insurance, which insures the property against damage from a list of perils such as fire, flood, theft or third party malicious damage. Under the contents insurance aspect, you protect your belongings as well as the building and can enhance your cover to include personal items outside of the property for risks such as loss, theft or accidental damage.

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