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Ocean Mortgages is a trading style of Ocean Finance and Mortgages Limited who are a licensed credit broker. Consumer Credit License Number 550081.

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Protection Products...

Accident, Sickness and Unemployment
Life Insurance
Buildings Insurance

Accident, Sickness and Unemployment

Why take cover?

For most a mortgage will represent the largest financial commitment that you are likely to make. Whilst most lenders will offer a sympathetic ear when borrowers are experiencing problems, this will not pay the bills. Involuntary Unemployment, Sickness, or an Accident, can cause major financial hardship.

Optional Payment Protection Insurance can give you and your dependant’s additional peace of mind if the unexpected were to happen. Should you find yourself involuntarily unemployed or off work due to an accident or ill health, payment protection insurance may help ensure that your loan repayments are one less thing to worry about.

Even if your employer still pays you while you are unable to work you may normally still be eligible to claim on the payment protection insurance, leaving your income free to cover other expenses during what will be, undoubtedly, a very difficult time. Please bear in mind that your employer may reduce your pay after a prolonged period of absence. You may also find that any usual overtime, commissions or bonuses are not paid.

Ocean Finance & Mortgages Limited do not provide advice on any insurance products, however we can introduce you to a company that specialises in providing some types of insurance. They will be able to explain things more fully to you and be able to assess your needs and requirements, recommending any product they deem to be suitable for you if appropriate. If you do accept an offer from any company that Ocean introduces you to, we may receive a commission payment from them. Please remember, there are many insurance providers available so we suggest you explore your options before committing to any particular product or provider. Alternative providers and other forms of protection products can be found on the FSA’s website at moneymadeclear.fsa.gov.uk

Life Insurance

You may wish to review your current life insurance cover levels in line with your new mortgage commitment.

Please remember, there are many insurance providers available so we suggest you explore your options before committing to any particular product or provider.

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Buildings Insurance

It is a requirement of most mortgage lenders that the buildings insurance cover should be maintained during the term of the mortgage. You may well already have satisfactory buildings insurance in place, although now may be a good time to review this.

Ocean Finance & Mortgages Limited do not provide any advice on any insurance products, however we can introduce you to a company that specialises in providing some types of insurance. They will be able to explain things more fully to you and be able to assess your needs and requirements, recommending any product they deem to be suitable for you if appropriate. If you do accept an offer from any company that Ocean introduces you to, we may receive a commission payment from them.

Please remember, there are many insurance providers available so we suggest you explore your options before committing to any particular product or provider.

Bear in mind that if you currently arrange your buildings insurance with your current mortgage provider the facility may end once your new mortgage completes. Top

THE OVERALL COST FOR COMPARISON IS 6.8% APR.
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.