When arranging your mortgage it is important to take the time to protect yourself and your family should the unthinkable happen.

Put simply protection products are policies that are arranged to provide you and your family with either a lump sum or a regular income should you become seriously ill, lose your job, or in the event of your death.

We have listed some of the most popular types of insurance below:

Life Insurance


Life insurance  will provide a sum of money in the event of death during the term of the policy.  


The payout is typically used to repay a mortgage debt or provide a lump sum to cover living expenses for your family.

Critical Illness Cover


A Critical Illness plan is designed to pay out a lump sum on the diagnosis of certain specified illnesses. This type of plan is designed for those individuals or families whom want a lump sum if they are diagnosed with a serious illness. As an example of where this lump sum could be used is to repay a loan, mortgage, or perhaps pay for time off work.

Income Protection


An Income Protection plan is designed to pay out a regular income in the event you are unable to work due to an accident or illness. These types of plans continue to pay out an income as long as you are unable to return to work up until the end date of the policy (typically your normal retirement age). 


For mortgages we are usually paid by commission and do not charge a fee for our advice.

However, should you prefer to pay us by fee instead, the fee is typically 0.5% of the loan.


North Star Financial Services Ltd is authorised and regulated by the Financial Conduct Authority. FCA Register No 656409. Registered in England and Wales No: 5211192. Registered Office: First Floor, 69-71 Commercial Way, Woking, Surrey, GU21 6HN 


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