Income Protection

Quite often you hear ‘it could never 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.

What is it?

An Income Protection plan is designed to pay out a regular income in the event you are unable to work due to an accident or illness. These types of plans continue to pay out an income as long as you are unable to return to work up until the end date of the policy (typically your normal retirement age).

 

Who is it for?

This type of plan is designed for anyone whom is working (employed or self employed). It’s worth pointing out that even if your employer provides sick pay, it is unlikely to last for longer than twelve months and so ongoing protection is essential. Plans can be adapted to fit in with any existing protection you might have.

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Please note there will be a minimum fee of £225.00 for the Residential Mortgage Advice given which will be payable upon completion of the mortgage. This fee may however change dependent on the size of the loan.

For Commercial mortgages 0.5% of the mortgage advance (for example on a mortgage advance of £150,000 our fee will be £750.00 payable on completion).

Buy to Let Mortgages a minimum fee of £225.00 will be payable on completion of the mortgage, although this fee may change dependent on the size of the loan. 

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THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

The Financial Conduct Authority does not regulate some aspects of buy to let mortgages & commercial mortgages.

Registered Name: Haley Financial Services Limited 2, Turnberry Drive,Whitestone,Nuneaton,Warwickshire,CV11 6TT Registered in England and Wales No 05188529 is authorised and regulated by the Financial Conduct Authority. FCA Registration No 313461. Click here to visit the FCA website

Registered Address: As above. 

You must be 18 years and over to take out a mortgage. The guidance and /or advice contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.