Insurance2

Mortgages are now regulated by the Financial Services Authority. The FSA is the independent watchdog that regulates financial services. Insurance products are sold under Insurance Conduct of Business guidelines. Please note we may record telephone conversations and client meetings to ensure we fully understand your requirements.

Types of cover

For the residential mortgage borrower we will look at your circumstances and review your existing cover - private or employer provided - and make a recommendation as to the type and amount of cover needed to meet your requirements. This can include any of, or a combination of the following -

Mortgage Protection or Term assurance
Accident, Sickness and unemployment Cover.
Income Protection - short term and long term
Family Income Benefit.
Whole of Life plans
Critical Illness Cover
Building and Contents Insurance

We will discuss your needs and health in detail and make a recommendation to you based on the insurers criteria, claims history and your affordability.

We will also discuss the benefits of placing any plan we arrange for you in a flexible trust and help you with the paperwork.

We believe this is a very important area of discussion and we will usually arrange a meeting to discuss all the above AFTER the mortgage processing has started.

For the commercial or buy to let borrower we will look at your circumstances and review your existing cover and make a recommendation as to the type and amount of cover needed to meet your requirements. This can include any of, or a combination of the following -

The use of a broker ensures just a single consultation and we could find the most suitable insurance cover for your particular circumstances. This in turn:

Saves you time from carrying out all the research
Save money by allowing you to make a single call to explain your circumstances and your requirements rather than repeating it to each individual insurer.
Gets you the most suitable insurance cover.
Gives you access to many insurance companies with whom we have established excellent relationships.
Saves you the pain of dealing with a number of insurance companies at one time.
Assist you with your application, trust and claims paperwork ad process.

You know you have made the right choice because an expert is helping you. RJ Mortgage Finance is a member of the North London Chamber of Commerce.

The fee we charge will depend on your circumstances, but we estimate that the charges will be based on an hourly basis of £105 plus VAT. However because we will receive a commission from the insurance company over a period of 4 years we will waive our fees as long as the policy remains in force during the first 4 years.

In all cases we will discuss the advantages and disadvantages of each type of plan with you. We will also discuss the benefits of writing your cover in trust and we will assist with all the paperwork.

We have a wide ranging panel of insurance companies including Aegon, Aviva, Bright Grey, BUPA, Exeter Friendly, Friends Life, LV, Legal and General, Pioneer, Prudential, Pulse, Royal Liver, Scottish Provident, Payment Shield, Halifax GI, Abbey GI, Cardiff Pinnacle among others.

RJ Mortgage Finance is a trading style of Richard Johnson of 125 Goat Lane, Forty Hill, Enfield Middlesex EN1 4UD.

RJ Mortgage Finance is an Appointed Representative of Mortgage Next Network Limited, which is authorized and regulated by the Financial Services Authority in respect of mortgage and insurance mediation services only.

Mortgage Next Network Limited is entered on the FSA register ( http://www.fsa.gov.uk ) under reference 300866

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.