Life Cover
are delighted to introduce
Smart Equity Release are both proud and delighted to introduce our mortgage customers to the prestigious Abacus Mortgage & Protection Advice Limited. Like Smart Equity Release, Abacus are also based on The Wirral and have a wealth of experience, so you can rest assured you are in very good hands.
For your peace of mind, Abacus Mortgage & Protection Advice Limited is an appointed representative of The Right Mortgage Limited which is authorised and regulated by the Financial Conduct Authority.
Abacus Mortgage & Protection Advice Limited, 56 Hamilton Square, Birkenhead, Wirral, CH41 5AS, Tel 0151 647 2266 sarahgray@abacusmp.co.uk www.abacusmp.co.uk
Director of Abacus, Sarah Gray
Life Cover
It is a sad fact that in the UK we seem to spend more on protecting our pets & mobile phones than we do our families.
Life Assurance gives you the peace of mind that, should the worst happen to you, your family will be financially protected when you’re gone.
Abacus will tailor their advice to your individual circumstances and budget to make sure you receive the most suitable life cover policy to protect your mortgage.
Income Protection
We believe that not only is it important to find the right mortgage for you, but to keep you in your home should you become unable to work through illness or injury.
State benefits might not be enough to replace your income if something goes wrong and you can’t work because of long-term sickness or disability.
Income protection cover is designed to provide you with a monthly tax-free income if you are injured or too ill to work, resulting in a loss of earnings. This income can be used to ensure not only are your mortgage payments made but also contribute towards your everyday expenses.
Critical Illness
Critical illness cover is often arranged with life cover, it is designed to help protect you from the financial hardship that a serious illness can cause.
If you’re diagnosed with a significant health problem, such as cancer, heart attack, or stroke, your financial concerns could be taken away, helping you focus on what really matters – getting better.
A tax-free lump sum will be paid if you are diagnosed with any one of a number of specified illnesses. It can be used to repay all or part of your mortgage, pay for home alterations or specialist equipment, help meet the costs of private treatment, whatever you decide.
Important Information for you to know
Abacus Mortgage & Protection Advice Limited is an appointed representative of The Right Mortgage Limited which is authorised and regulated by the Financial Conduct Authority. The Right Mortgage Limited are entered on the FCA register (http://www.fca.org.uk/register/) under reference 649443.
Registered office. 166 Banks Road West Kirby, Wirral CH48 0RH. Incorporation no. 13901708 registered in England & Wales.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Actual rate available will depend on your circumstances. Please ask for a personalised illustration.
Our charges are based on the complexity of your individual circumstances. We will provide you with a free initial consultation and will always explain exactly what you will be charged before you choose to proceed with an application. As we offer a bespoke service, our charges will vary. We will charge a non-refundable upfront fee of £199 when you make a formal mortgage application. On completion, we will charge an additional broker fee which will be no more than £995.
These fees apply to all regulated mortgages. Certain mortgages, primarily most buy to let and commercial mortgages, are not regulated. Fees for non-regulated mortgages can vary depending on your requirements and circumstances. Please contact us directly for more guidance.
Some of the services shown are not or may not be regulated by the Financial Conduct Authority.
Buy to let mortgages and Commercial mortgages are not regulated by the Financial Conduct Authority.