What’s the minimum deposit I need?

Most lenders require at least 5%, but putting down more can unlock better rates and lower monthly payments.

Do I need to speak to a mortgage broker?

We can introduce you to a regulated mortgage broker where advice is required. They’ll recommend the right mortgage based on your specific needs.

How long does the process take?

On average, it takes 4 to 8 weeks from mortgage application to offer — but it can vary depending on the lender and legal process. We’ll help keep things moving.

Can I combine multiple pensions into one?

Yes — pension consolidation is common, but depends on your scheme types and if any benefits would be lost.

What if I don’t know where my pensions are?

We’ll help you track them down using pension tracing tools and provider contact checks.

Can I access my pension early?

Generally from age 55 (rising to 57 in future), but early access may reduce your future income.

Protection Services

🛡️ Protection & Life Insurance in Hastings

Keeping your family secure matters. In Hastings and St Leonards, we help homeowners and tenants explore cover that protects against life’s uncertainties. When you’re ready, we’ll connect you with an FCA-regulated adviser for tailored advice.

🤝 Our Support

📖 Explain different protection options
🏠 Show how cover works alongside your mortgage
⚠️ Highlight key exclusions and features
👨‍💼 Connect you with a regulated adviser for recommendations

📋 Cover Options

💔 Life insurance: Lump sum on death
🩺 Critical illness cover: Payout on diagnosis of serious illness
💼 Income protection: Replaces salary if you can’t work
👨‍👩‍👧 Family income benefit: Monthly support for dependants

❓ Why Arrange Cover?

Protecting your family from financial stress ensures they can remain in their home and continue daily life even if something unexpected happens.

📍 Local Notes

Hastings’ property prices make mortgages more manageable, but even modest balances benefit from protection to safeguard dependants.

🙋 FAQs

🏦 Is cover required with a mortgage?

Not legally, but many choose it for peace of mind.

🩺 Can I get cover if I have health conditions?

Often yes — insurers may adjust pricing or terms. An adviser can help place cover.

💷 Do policies pay out tax-free?

Yes — payouts are typically tax-free to beneficiaries.

📉 Can cover adjust if my mortgage changes?

Yes — decreasing term policies track reducing mortgage balances.

🚀 Next Steps

Tell us what you’d like to protect and we’ll connect you with an FCA-regulated adviser to secure cover that fits.

⚠️ Important: We do not provide regulated insurance advice. We act as an introducer and may receive a fee for successful introductions.

🧮 Mortgage Calculator for Hastings Buyers and Homeowners

Using a mortgage calculator is a smart way to understand your potential monthly payments before making any big decisions. Whether you’re buying your first home or looking to remortgage, it’s a quick and simple way to plan ahead.

Our calculator is designed to give you a clear idea of what your repayments could look like based on your loan amount, term, and interest rate — helping you make informed choices early on.

Ready to get started?
Visit our Mortgage Calculator page now and take the first step in your home buying or remortgaging journey.

Contact Us Today -0203 656 5182

Please feel free to complete our form and one of our friendly team will happily contact you.