The benefits of using a mortgage adviser

Tuesday, 13th August, 2019
mortgage broker

It was refreshing to see a piece in the Express, recently, which revealed how a third of homeowners who didn’t use a mortgage adviser had no form of protection.

Refreshing not from an ‘I told you so’ perspective of a mortgage broker, but refreshing to see the benefits of using mortgage brokers being put forward by a national newspaper.

However, it was the fact that this particular article drew attention to an important – if subtle – benefit of using a broker when applying for a mortgage, which is that not only should good mortgage brokers strive to get their customers the very best mortgage deals, but also ensure that they are protected, too.

The article, which focused on research by Legal & General Mortgage Club, revealed how 34% of homeowners that did not use a mortgage adviser do not currently have any kind of financial protection for their mortgage – be that life insurance, critical illness cover or income protection.

Sadly, this means that there are a significant number of homeowners that haven’t accounted for the negative financial impact – and the potential for missed mortgage payments – associated with long-term illness. Essentially, there are currently a large number of UK homeowners that are exposed.

Fortunately for our clients, Complete Mortgages isn’t just a Guildford mortgage broker.

Through our sister brand, Complete Cover, we also provide a wide portfolio of personal cover and mortgage-related insurances so that in the event of illness and even death, those that have taken a mortgage with us can feel rest assured that they (the policy holder and their family) will not run into financial difficulty.

In order to safeguard UK homeowners, it’s essential that mortgage advisers advise and not just broker deals. Articles such as that published by the Express – and research commissioned by Legal & General – will not only play a role in raising awareness of the potential consequences of sub-standard cover, but also make mortgage brokers more accountable in the process, too.

For access to mortgage insurances including property insurance, life insurance, mortgage payment protection and income protection contact the team on 01483 238280 or email

By Mark Finnegan, Director at Complete Mortgages

Could the New Year be a time for a new insurance policy?

Friday, 25th January, 2019

The arrival of a new year presents the perfect opportunity to set goals for the coming 12 months, achieve what you perhaps didn’t the year before and ensure that the year ahead is as enjoyable and productive as it can be – which is why it’s a great time to review your existing insurance policies, too.

Yes, Christmas – a time when burglaries are reported to increase – is behind us, but there’s no harm in making sure that you’re as well protected as you possibly can be all year round.

Whilst prevention is without doubt the most important factor when it comes to theft of any kind, the simple realities of life mean that sometimes, prevention is not an option and it becomes necessary to have to deal with a burglary after the event.

The positive news is that most people have good home insurance that can safeguard against any losses. Sadly, however, there are those who do not.

As a Guildford insurance broker that offers comprehensive home insurance, we try to encourage our clients to make sure that their home insurance policy is up to date and that all those new items purchased for loved ones – and themselves – over the festive period such as new jewellery, watches and other expensive items, are recorded as named items.

Forgetting to add that precious item onto the policy is all too easy to do and the consequences can be devastating.

Whether you’ve had to buy a new TV for that extension you had done last summer, or decided that you couldn’t live without this year’s specialist road bike, it’s worth sparing half an hour to make sure that you have everything covered.

Also, now that we’re at the start of 2019, it’s not only a good time to check your home insurance policy but also review ALL your existing insurance policies to make sure that they, too, reflect any changes that may have occurred over the course of last year.

Complete Cover recommends that you review any life insurance cover, critical illness cover and income protection insurance products that you may have at the beginning a new year. For example, any changes to your health over the last 12 months will need to be updated on your policy, too.

Taking time out to review your insurance policies at the start of the year means that you can enjoy 2019 without worrying about it again – well, until the start of 2020, at least. The good news is that Complete Cover is on hand to manage all the paperwork for you; all you need to do is call us.

We’ve also just expanded our team, having promoted Gemma Sawyer, who has been with Complete Mortgages since 2012, to an insurance adviser. Gemma can be contacted at

If you’re looking to renew an insurance policy – or you simply don’t have one – then our team of Guildford insurance specialists will be happy to help. Contact us on 01483 238280 or email

By Carolyne Fairfull, Insurance Adviser at Complete Cover