Call us
01242 697821

Blogs

Keep up to date with the latest news and our guides on all things mortgages. 

What protection do you need in place to have a worry-free summer?

Summer’s here—time for garden BBQs, beach escapes, and maybe even a cheeky weekend away. But while you’re soaking up the sunshine, have you thought about the financial safety nets that help keep life running smoothly, no matter what?

If you want true peace of mind this summer (and beyond), it’s worth making sure you’ve got the right protection in place. Here's a quick, no-jargon guide to three key types of cover every household should consider. Hit reply-to this email to set up your coverage.

Income Protection

What if an illness or injury meant you couldn’t work for a few months—or longer?

Income protection is designed to replace a percentage of your gross income (typically up to 60–70%) if you’re unable to work due to ill health. It kicks in after a set waiting period and keeps paying out until you return to work, retire, or reach the end of the policy.

Why it matters:

Self-employed? Freelance? Using up all your annual leave? An accident or illness could mean zero income and no backup. Income protection ensures the bills still get paid while you focus on getting better.

Critical Illness Cover

Critical illness cover pays out a lump sum if you're diagnosed with a serious condition listed in the policy—for example heart attack, stroke, cancer, and others.

You can use the money however you like: pay off your mortgage, cover medical costs, adapt your home, or just take the pressure off your finances during recovery.

Why it matters:

None of us likes to think about life-changing illness—but if it does happen, you’ll be grateful for a financial cushion. Especially when you’ve got holidays booked, kids off school, or plans you don’t want disrupted by financial stress.

Life Insurance

Life insurance pays out a lump sum if you pass away during the policy term. It’s so important if you have dependents, a mortgage, or shared financial responsibilities.

You can choose:

  • Term life insurance (covers you for a fixed period)
  • Whole-of-life insurance (covers you for your entire life)
  • Level, decreasing, or increasing cover (depending on whether you want the payout to stay the same, reduce with your mortgage, or rise with inflation)

It might not feel like summer conversation material, but knowing your loved ones would be financially secure, no matter what, is a huge emotional weight off your shoulders.

Protection doesn’t have to be complicated or expensive. With the right policies in place, you can kick back this summer knowing your income, health, and loved ones are looked after—rain or shine. We are here to help with any queries or questions you might have!

SPEAK TO AN ADVISER

Related

Winter sun seeking for the over 55s

Winter sun seeking for the over 55s

Taking extended breaks during the Winter has always been popular due to the enticing 'off-peak&#...

Read More >
Soaring debts in the over 55s

Soaring debts in the over 55s

Recent research carried out by Later Life Lender more2life and economics consultancy Cebr has reveal...

Read More >
What is Accidental Damage Insurance?

What is Accidental Damage Insurance?

We face household accidents regularly, but that’s not to say they aren’t annoying to deal with whe...

Read More >
The value of advice in the current mortgage climate

The value of advice in the current mortgage climate

The Bank of England Base Rate has been in the news several times in as many months, and with it has ...

Read More >
How to protect yourself against identity theft

How to protect yourself against identity theft

Identity theft is a type of crime where someone's personal and financial data is obtained and us...

Read More >
From Renting to Retirement: How Your Insurance Needs Change Through Life

From Renting to Retirement: How Your Insurance Needs Change Through Life

As your lifestyle evolves, so do the risks you face. Your insurance cover should adapt to reflect th...

Read More >

What our clients say...

Latest Blog

Key Trends Shaping Mortgages, Protection & Later-Life Lending in 2025

It’s been a busy year in the finance world! Have you been reading along? We’d thought we’d break ...
Read More

Case Study: Navigating Complex Lending

Applying for a mortgage can sometimes be straightforward, but when your financial situation is compl...
Read More

Understanding Tax Calculations and Tax Year Overviews

If you’re applying for a mortgage, you may have come across the terms SA302 and Tax Year Overview. ...
Read More

Want to Boost Your Home's Appeal? Start with the Garden

What an amazing summer we’ve been having, and if like us, you’ve been spending a lot of time in th...
Read More

Making the Most of Your Home in Retirement – With the Right Advice

For many people approaching or already in retirement, your home isn’t just where you live, it’s al...
Read More

From Renting to Retirement: How Your Insurance Needs Change Through Life

As your lifestyle evolves, so do the risks you face. Your insurance cover should adapt to reflect th...
Read More

Supporting a Self-Employed Single Mum with Critical Illness Cover

We recently encountered an interesting real-life scenario, and we thought it would be helpful to sho...
Read More

Boost Your Chances for a Mortgage

Are you looking for a new mortgage? How organised are you? Let’s go through some of the key criteri...
Read More

Stay Calm and Financially Resilient

Your Money, Your Safety Net...Life can be unpredictable. Whether it's a sudden job loss, an illness,...
Read More

Can Your Health Cover Help You Get Fitter? Here’s How

Are you looking to feel your best this summer? It can be a self-conscious time of year, but let’s m...
Read More


Fairview Financial Ltd is an appointed representative of The Right Mortgage Limited, which is authorised and regulated by the Financial Conduct Authority. Fairview Financial Ltd is registered in England and Wales no: 10912424. Registered office: 107 Promenade, Cheltenham, GL50 1NW.

The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

@ 2020 by Fairview Financial

Our Fees        

A fee may be charged for mortgage advice. The exact amount will depend on your circumstances.

Our standard fee for mortgages is £395 and this is paid when the mortgage is offered. We charge a fee of £295 First-Time Buyers. Other fees may apply depending on the complexity of the work involved or loan amount. The maximum fee we can charge is £795.

Our standard fee for Equity Release is £895 and this is paid on completion.

We also receive a commission from the lender that will vary depending on the lender, product or other permissible factors. The nature of any commission model will be confirmed to you before you proceed. If we receive a commission, this will not affect the cost payable by you.

THINK CAREFULLY ABOUT SECURING OTHER DEBTS AGAINST YOUR HOME.

YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED ON IT.

BUY TO LET MORTGAGES ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.

EQUITY RELEASE: THIS IS A LIFETIME MORTGAGE. TO UNDERSTAND THE FEATURES AND RISKS, PLEASE ASK FOR A PERSONALISED ILLUSTRATION. CHECK THAT THIS MORTGAGE WILL MEET YOUR NEEDS IF YOU WANT TO MOVE OR SELL YOUR HOME OR YOU WANT YOUR FAMILY TO INHERIT IT. IF YOU ARE IN ANY DOUBT, SEEK INDEPENDENT ADVICE.


  • Back to top