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In addition to providing mortgage advice, we also offer advice on protection and insurance products.

There are huge benefits in protecting yourself, your family, your income and your home. Many people do not understand the associated risks and consequences of not being fully covered. Protection does not need to cost the earth. No-one wants to think they will be struck down with a critical illness, or die at a young age. However, it can affect anyone, at any age at anytime.

  • We offer advice on a range of protection and insurance products which best suit your needs.
  • We search from a panel of leading UK protection providers for life, critical illness and income protection insurance.
  • We search from a panel of general insurance providers for Buildings & Contents insurance and Mortgage Payment Protection Insurance*.

*This Payment Protection Insurance is optional. There are other providers of Payment Protection Insurance and other products designed to protect you against loss of income. For impartial information about insurance, please visit the website at

A typical monthly cost for Monthly Payment Protection Insurance is £5.02 for every £100 of monthly benefit. A monthly administration charge of £3.18 will be added to the monthly cost.

Buildings Insurance

When you take out a mortgage, the lender will require that you have adequate buildings insurance, which insures the property against damage. If you are buying a freehold property then it is your responsibility to organise this cover yourself. If you are buying a leasehold property (most flats tend to be leasehold) then it is the freeholder's responsibility to arrange it, so make sure that this has been done.

Contents Insurance

Contents insurance is often sold alongside buildings insurance. Lenders do not require borrowers to take out contents insurance, however, it is highly recommended that you do. We can arrange this type of insurance for you and explain what it does and how it works.

Life Protection

We also offer advice on pure protection products. For example, we may be able to help you if you want to arrange life insurance or critical illness to cover your mortgage.

Our advice and recommendation service extends to the following pure protection products:

  • Decreasing Term Mortgage Protection
  • Level Term Assurance
  • Critical Illness Cover

We can arrange these types of insurance for you and explain what they do and how they work.

Gaskells provides advice on pure protection products from a range of insurance providers.

What our clients say

"Thanks very much - you are a great team"

Dr Mary Altebev, Hove

Get in touch. Call us on 01273 248929 for a chat