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Independent and Innovative solutions to all of your mortgage requirements  
*Not all mortgage contracts are regulated by the Financial Services Authority. Think carefully before securing other debts against your home. Your home may be repossessed, if you do not keep up repayments on your mortgage. **Lifetime Mortgages - This is a lifetime mortgage. To understand the features and risks, ask for personalised illustration.

Mortgage Concepts Associates Ltd. Registered office, 66 Spring Cross, New Ash Green, Longfield, Kent DA3 8QQ. Registered in England & Wales no 05694058. Mortgage Concepts Associates Limited is an appointed representative of Valid Path Limited which is authorised and regulated by the Financial Services Authority.
Mike Richards CeMAP CeRER
 Director and Mortgage Adviser
Tel   0845 838 1581
Mike has over 30 years of experience arranging and advising on all types of mortgages, specialising in Commercial, Buy to Let and is qualified in Lifetime Mortgages
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Newlands House

40 Berners Street

London

W1T 3NA



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MORTGAGE PROTECTION
Building and Contents  Insurance
Life, Critical Illness and Permanent Health Insurance
Mortgage Payment Protection Insurance
There are three main types of Insurance that are either a compulsory part of the mortgage process or while not compulsory should be considered.
Buildings Insurance is compulsory on every purchase and a lender will not release the funds without having confirmation that insurance is in place.
Mortgage Concepts Associates Ltd are able to introduce you to a range of providers who will arrange for a competitive quotation suiting your requirements.
Having Life Insurance, Critical Illness Cover and Permanent Health Insurance is not compulsory but you need to consider what would happen to your dependants should you die, contract a critical illness or be unable to carry out your usual employment.
While not compulsory there are some disturbing facts that you should be aware of.
Every adult in Britain is five times more likely to suffer a serious disability than to die before the age of 60.
        1.8 Million people in Britain are already disabled and have been unable to work for 12 months or more
On average 90 families a day had their homes repossessed in 2000, the majority due to financial problems associated with unemployment.

Mortgage Payment Protection is designed to pay a monthly amount to you following redundancy, accident or sickness, which prevents you from returning to work. The policy usually pays for either 12 or 24 months
Click here to get a no obligation quotation
Click here to get a no obligation quotation for MPPI