The type of insurance policy you might need depends on your situation.

A life insurance policy will pay your dependents a lump sum or regular payments if you die unexpectedly. If you have a partner or children, life insurance can provide you with the reassurance that they will be able to cope financially without you.

Income protection insurance is designed to support you financially if you can’t work due to illness or injury and your income drops. This type of policy is particularly relevant for anyone who is self-employed and wouldn’t get sick pay.

You might consider getting short-term income protection insurance. This type of policy will pay out a monthly sum, for a set period of time, if you lose your source of income due to illness, injury or redundancy.

You might consider critical illness cover, which will cover you in case you get a specific type of life-changing condition.

Payment protection insurance will support you if illness or redundancy means you can’t meet regular payments of your debts.

As independent financial advisers, we can help you find the one that best meets your requirements.

Steve Palmer was a wonderful mortgage advisor, especially as a first-time-buyer. He was always ready and available to answer any questions I had and was extremely quick at progressing things. I got my mortgage offer in a matter of days of contacting him. Cannot recommend enough!

Alicia LM

A massive thank you to Nathan at Elite Mortgages! Nathan helped us secure a re-mortgage and also a mortgage on our new home. From start to finish he was responsive, professional and as first time buyers he was absolutely brilliant, put our minds at ease and answered any queries we had promptly and clearly. I would definitely recommend, thanks again!

Will Lewis

We have used Anthony at Elite Independent Mortgages for our first mortgage in 2020, and our re mortgage in 2023. As 2 young women, and first time buyers it has been such a relief to have Anthony’s help every step of the way. He has always endeavoured to explain things clearly and kept in touch over any questions and concerns, understanding the stress and confusion mortgages can cause. We feel so safe in his hands and will definitely continue to use in the future and would recommend to anyone.

B Lydia

I’ve had the pleasure of working with Martyn and the team for the past few weeks and their superior knowledge and guidance has been crucial to securing a mortgage for our new business premises. I can’t recommend these guys highly enough.

Anthony Phelps

Frequently Asked Questions

Image

Contact Us Today! We're happy to help you with all your property needs.

We offer life insurance, critical illness cover, and income protection to ensure financial security for you and your family.

It protects your home and loved ones if illness, injury, or death affects your ability to make repayments.

That depends on your mortgage balance, dependents, and lifestyle. We’ll tailor a plan that suits your goals and budget.

Life insurance pays out a lump sum upon death, while income protection replaces your income if you can’t work due to illness or injury.

Yes. Many insurers consider pre-existing conditions — we’ll find the best options available for your health profile

Yes. You can adjust or review your policy whenever your circumstances change, like a new home or family addition.

We recommend reviewing it every 12 months or after any major life event.

Our clients choose to trust us over the competition because of the way we conduct our business.

A team of qualified financial mortgage advisers backed up by a dedicated team of support staff.

We’re independent, we work for our clients’ interests, not those of a bank or insurance company.

We continue to monitor the marketplace and will keep you updated on opportunities.

We provide access to your own Client Portal for secure messages and document uploads.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Elite Independent Mortgages Ltd is authorised and regulated by the Financial Conduct Authority, which oversees all financial business in the UK. You can find us on their website www.fca.org.uk. Our registration number is 301502. Our registered address is 3 Hannah Street, Porth, Rhondda Cynon Taf, CF39 9PU.