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Mortgage protection insurance brokers serving Milton Keynes

Our role at Mortgage Light is to not only to help you into your dream home but also to help you to protect yourself & your family financially should the unexpected happen.

Most of us insure our cars and even our phones – but what about helping to protect our home, ourselves or our loved ones? We specialise in offering advice & information on the insurances that are available to provide a safety net.

These insurances are designed to enable you & your family to cope financially if the worst happens - not only to your home but to you personally for example you die, contract a critical illness or are unable to work due to sickness

Here at Mortgage Light, we have access to the top insurance providers, and due to our unique relationship with them, it means we are able to get cover with additional benefits that are not available from insurance providers directly.

We approach Mortgage Protection like we approach Mortgages - which means we cut through the jargon to provide you with a bespoke package based on your exact needs, so you can relax knowing you are safe hands.

Home Insurance

Home Insurance

Buildings and contents insurance is placed under the bracket of home insurance. It is essential for all mortgaged properties, and advisable for homeowners who do not have a mortgage.

Life Insurance

Life Assurance

You can take out an accident sickness and unemployment policy that is specific to a debt so that repayments will continue to be made in the event that you lose your income through an accident, sickness or after becoming unemployed.

Critical Illness

Critical Illness

Critical illness cover is an important financial safety net. It's designed to pay out a fixed cash amount if you're diagnosed with one of the critical illnesses covered in the individual insurer's policy...

Income Protection

Income Protection

Income Protection can provide you with a regular monthly income if you suffer a loss of earnings due to ill health or injury, and as a result are unable to work...

Business Protection

Business Protection

The most valuable asset to any business is its people - without them, a company’s survival can be at serious risk. Business protection is designed to protect and support UK Small Businesses through a range of Business Protection options.

PMI (Private Medical Insurance)

PMI Private Medical Insurance

Private medical insurance (PMI) is an insurance policy designed to meet some or all of the costs of private medical treatment. It is also known as private health insurance.

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Mortgagelight Legal & General

Mortgagelight Partner - AIG

All of our brokers deal with the whole of the mortgage market. It doesn’t matter what the question or when you want to speak to us, we have brokers available on the phone or face to face seven days a week. Whether you are just thinking of buying a home and have no idea where to start, a seasoned investor or someone looking to better your current mortgage product, we are happy to help andchat over ideas free of charge.

So we can give you plain and simple advice we will run through some basic questions to help us tailor products to suit your needs. Upon us taking your application forward we will write to inform you that we have given you advice and give you a Key Facts Illustration breaking down the important elements of the product and the fees involved.

For us to take your application forward to a lender we charge an upfront administration fee of £495. For our returning customers looking to renew their mortgage product this fee reduces to £250. We also receive commission from the lender.

Our fee is payable on mortgage application. We charge up to 1% but our typical fee is £495 for all new residential applications, £645 for loan sizes of £50,000 or lower, and £695.00 for limited company buy to lets. However, with our existing customers our fee is reduced to £250 for a Remortgage or if we end up doing a product transfer we do not charge. Your home may be repossessed if you do not keep up repayments on your mortgage. You may have to pay an early repayment charge to your existing lender if you remortgage. For commercial mortgages, our fees are subject to the nature of the finance and structure of the loan, with a minimum fee of £1000. Other fees may apply. We will receive commission from the lender in addition to the fees you pay. As with all insurance policies, conditions and exclusions will apply.

Covering Milton Keynes.

Registered Office: Mortgage Light Ltd, 15 High Street, Brackley, England, NN13 7DH. Registered Company Number: 8184773. Registered in England & Wales.