Protecting you and your people

Find out more about the protection products that can provide peace of mind for you and your family, should the unthinkable happen.

What do we mean by protection?

When we talk about protection, we are referencing the products that make sure your home and family will be looked after if you become ill or die – when the last thing your loved ones will want to think about is how they’ll pay the mortgage.

Nobody likes to dwell on this, but it’s so important you consider it when you’re taking out a mortgage, particularly if people are financially dependent on you. The threat of critical illness is real, and it’s our responsibility to be financially prepared for it.

There are various products available; we’ve outlined a few of them below.

Types of protection

Life

insurance

This pays out a lump sum upon death, so that family members can continue to cover expenses.

Critical illness cover

This pays out a lump sum if you’re diagnosed with an illness. The illnesses covered vary between providers, but usually include strokes, heart attacks and cancer.

Income protection

This is a bit like having your own personal sick pay. It provides regular payments if you're unable to work due to illness or injury.

Family income benefit

This is similar to life insurance, but the lump sum is replaced with monthly payments, providing ongoing financial support.

Please note for these insurance products, terms and conditions apply. This information is a summary only. You will receive a full policy document upon application. This policy will set out the terms, conditions and limitations of cover provided under the plan.

What our clients say:

David is an extremely professional, helpful and attentive mortgage broker. We had the pleasant experience of using his services to purchase our first property and the experience was very smooth process (unlike the experience we had using some of the estate agent brokers).

Rakesh C

July 2023

David Goodman has been an absolute gem in the midst of what has been an extremely turbulent time for the housing market.

Declan Z

May 2023

Excellent customer service all round, David understood our situation clearly and found a mortgage that met our needs in a timely manner. Clear communication throughout the whole process, David was very responsive, would highly recommend. Will use again, for sure.“

Lorraine D

June 2023

David at Pagoda has been truly outstanding.. and i cant thank him enough he ensured that the product, services, rates and lender were suitable for our needs. He always keeps us fully updated and ensured we understood the process and guided us through everything in great detail. We have used David before and will be using his services again. I would highly recommend his service.

Phe W

May 2023

David is excellent at what he does, he is clear and concise with the information he gives and most definitely goes the extra mile for his clients.

Karan

July 2023

I have used big companies in the past and felt like I could never get the advisor on the phone or get an update for days at a time. David looked after everything in a timely manner from the first call, all the way to when we got the keys.

Tom D

April 2023

David couldn't do enough for us for our first ever mortgage. He left no stone unturned and went through our many different options

Iain W

February 2023

Highly recommended! Incredible professional service with that personal touch! Everything we needed was completely dealt with fast and accordingly and helped us secure our first ever home! Couldn’t recommend Dave more highly!”

Joe B

April 2023

With the uncertainty of the mortgage market at the moment. You need someone like David to find you the best deal.

Tom P

September 2022

I can't recommend David enough for his mortgage services. He was able to demystify the entire mortgage process from start to finish and be at hand to answer any questions I had. Always responds in a timely manner and provides unbiased and honest advice throughout.

Chi S

August 2022

David is superb at what he does. Nothing is too much trouble. Very knowledgeable and gave guidance on every step Always friendly, pleasant and a pleasure to speak with. I wouldn't hesitate to recommend David and Pagoda Mortgage Services

Sarah H

June 2023

Still got questions?

Feel free to ask us anything about the process, any time.