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LFG Mortgage & Protection


Life insurance is a selfless insurance. It is there to protect your loved ones, should the worst happen. Life insurance pays usually pays a lump sum on death of the policyholder although it can be set up to pay your loveed ones a monthly or annual benefit.


These insurances cover you for critical illnesses such as cancer, heart attack, stroke and MS. Critical illness cover pays out a lump sum on diagnosis of a covered illness.


This is an extremely comprehensive insurance and will pay out if you are signed off work by a doctor. This is designed to replace lost salary and gives you confidence you will always be able to pay your bills.


This is the only insurance which will be legally required when buying a freehold property. This protects your home from various methods of damage including land heave, subsidence and floods. Buildings insurance also comes with great extras such as legal cover and home emergency cover.


This covers the contents of your home. imagine you could pick up your house, take off the roof and tip the house upside down. Everything which would fall out, is covered. You can also cover your contents away from your home, such as mobile phones, jewellery and your debit cards.


Key person's insurance covers those who are absolutely key to a business. In small businesses, this is usually the owners and one or two other employees who, without them, the business would likely fail. Key persons insurance can cover both life and critical illness.


Relevant life insurance allows you as an insurer to offer a death-in-service benefit to you employees. Relevant life insurance set up by the employer pays out a lump sum on the death (or diagnosis of a terminal illness) of the person insured.


Whether a business has a loan from a director or a debt secured against property or assets, all lenders rightly expect to be repaid. Business loan protection is either life assurance or life assurance with critical illness cover included. A policy is taken out on the life of a key individual or individuals so that any money due from a claim can be used to help pay towards any outstanding debt or loan.


London, UK


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Case Study 1

Unmortgagable Property

One client of ours bought a freehold house in London which was run down, with no working kitchen or bathroom. This made the property unmortgagable. The rental after the refurbishment would have been rather low for a buy-to-let mortgage at the value required due to being a London based property.
Because of this, we completed a refurbishment buy-to-let mortgage. This gave the client a bridging facility while the works were being completed and a buy-to-let mortgage on a 5 year fixed deal once the works were completed. 
This allowed the client to renovate the property and get a mortgage with one set of fees, minimising costs and maximising the borrowing available to him. 
Initial borrowing: £250,000 at 0.75%pcm
Works: £50,000
Mortgage: £300,000 at 3.19%

:LFG Mortgage & Protection​


LFG Mortgage & Protection is a trading name of Just Mortgages Direct Ltd., which is an appointed representative of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Just Mortgages Direct Ltd registered office: Colwyn House, Sheepen Place, Colchester, Essex, CO3 3LD Registered in England & Wales No 2412345.

Please do find us on the Financial Services Register via the link below, simply search LFG Mortgage & Protection, you will find us as a registered trading style of Just Mortgages Direct Ltd.