Other Services
The Details People Forget to Sort
A few extra things worth covering when you're buying, moving, or remortgaging. M&C Financial Services can arrange buildings, contents and landlord insurance alongside your mortgage, and we can refer you to trusted specialists for the areas we don't advise on directly, so nothing gets left until the last minute.
The bits that get left until the week before completion
Most people focus on the mortgage and the survey, then realise a few days before completion that their lender wants buildings insurance in place, or that nothing covers the contents once the removal van has gone.
None of it is complicated, but it is easy to rush and end up with cover that doesn't quite fit. We sort it alongside your mortgage advice, at the same time and with the same whole-of-market approach, so it's done properly rather than done quickly.
Get in touchCover that sits alongside your mortgage
Three insurance add-ons we're asked about most, all arranged directly as part of your advice.
Buildings insurance
Cover for the structure of your home, often required by your lender.
Contents insurance
Protect what's inside your home against damage, theft or loss.
Landlord insurance
Cover built for rental properties, including loss of rent and tenant damage.
Cover for the structure of your home
Buildings insurance covers the fabric of the property, the walls, roof, floors and permanent fixtures, against things like fire, flood, storm damage and subsidence. Most lenders make it a condition of the mortgage offer, so it needs to be in place by the time you complete.
You don't have to take the policy your lender puts in front of you. We'll compare cover across the market and check the rebuild figure is set sensibly, so you're not underinsured and not paying for cover you'll never use.
- Getting cover in place in time for completion
- Setting the rebuild value, which isn't the same as the price you paid
- Comparing what's actually covered, not just the monthly premium
- Combining buildings and contents where it works out better
What we'll help you with:
Protecting what's inside your home
Contents insurance covers the things you'd take with you if you moved, furniture, appliances, clothes, electronics and valuables, against theft, fire, flood and, depending on the policy, accidental damage.
It's easy to underestimate what a house full of belongings is worth. We'll help you land on a realistic figure and check the limits that apply to individual high-value items, so there are no unwelcome surprises at claim stage.
- Working out what your contents are genuinely worth
- Single-item limits and how to cover valuables properly
- Whether accidental damage and away-from-home cover is worth adding
- Bundling with buildings insurance where it makes sense
What we'll help you with:
Cover built for rental properties
Standard home insurance won't cover a property you rent out. Landlord insurance is designed for let properties and can include buildings cover, loss of rent, property owners' liability and damage caused by tenants.
Whether it's your first buy-to-let or you're running a portfolio, we'll help you find cover that matches the type of property and the tenants you're letting to.
- Buildings cover written for rental properties
- Loss of rent if the property becomes uninhabitable
- Property owners' liability
- Cover for tenant damage and malicious damage
What we'll help you with:
Trusted specialists for the things we don't advise on directly
We don't advise on everything, but we can help by referring you to trusted specialists in the following areas. Contact us for more details.
Equity Release
Equity release allows homeowners, typically aged 55 or over, to access some of the money tied up in their property without having to sell or move out. It can provide a tax-free lump sum, additional retirement income, repay existing borrowing, fund home improvements, help family members financially, or assist with the purchase of a new home through a lifetime mortgage. The loan, plus interest, is usually repaid when the property is sold after you pass away or move into long-term care. As equity release reduces the value of your estate and may affect inheritance and certain benefits, professional advice is essential before proceeding.
Second Charge Loans
A second charge loan lets you borrow additional money against the equity in your home without changing your existing mortgage. Instead of replacing your current mortgage, the loan sits alongside it, meaning two separate monthly repayments. This can be useful if you have a competitive mortgage rate, would face early repayment charges by remortgaging, or need funds for home improvements, debt consolidation or other major expenses. As the loan is secured against your property, it's important the repayments remain affordable, as your home could be at risk if you're unable to keep up payments.
Bridging and Development Finance
A bridging loan is a short-term loan used to provide quick funding, usually to bridge the gap between buying and selling a property or securing longer-term finance. Development finance is designed for building, converting or significantly refurbishing property, with funds released in stages as the project progresses. In short, a bridging loan helps you move quickly on a purchase, while development finance helps fund the construction or renovation work itself.
Conveyancing
Conveyancing provides valuable protection and peace of mind whether you're buying a property or remortgaging. A conveyancer or solicitor carries out the legal work needed to ensure the property title is correct, checks for issues that could affect the property, deals with the lender's requirements, and manages the transfer of funds, helping to protect your interests and avoid costly mistakes.
Pension and Investment Advice
Pension and investment advice helps you make the most of your money by ensuring your savings and investments are working towards your long-term goals, whether that's retirement, financial security or building wealth. A qualified adviser can recommend suitable strategies, help you understand risk, make the most of available tax advantages, and regularly review your plans to keep them on track.
Will Writing and Power of Attorney
A professionally drafted Will ensures your assets, property and belongings are distributed according to your wishes after your death, reducing stress, delays and potential disputes for your loved ones. A Lasting Power of Attorney (LPA) lets you appoint trusted individuals to make decisions on your behalf regarding your finances, property, health and welfare if you're unable to do so yourself. Together, a Will and LPA provide peace of mind and help ensure your affairs are managed by the people you trust most.
Sorting a mortgage? Let's cover the rest too.
Buildings, contents or landlord insurance, arranged alongside your mortgage advice so it's all in place before you complete.
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