PROTECTION & INSURANCE 

Whether you are arranging a mortgage or not, it is important to have the correct Insurance & Protection products in place. 
 
At AFP Blackheath we deal with some of the country’s top insurers and will take the time & trouble to discuss what you are looking to achieve from your protection arrangements as well as recommending the most cost effective and secure solutions we possibly can. It may be that you already have arrangements in place but wish to ensure that they will do the job required should the worst happen, or you may wish to take advice to set up new arrangements. 
 
For further information please see below our guide to the terms used and options available when choosing the right kind of cover. 

INCOME PROTECTION POLICIES 

This type of policy replaces your income if you are unable to work due to ill health. 

LIFE ASSURANCE 

Term Insurance will pay a lump sum should you die within the term of the policy. 
Whole of Life Assurance will pay a lump sum whenever you die. 

CRITICAL ILLNESS COVER 

Critical illness cover pays on the assured being diagnosed with a defined illness that does not result in death. 

LEVEL AND DECREASING TERM 

Level term policies will provided the same sum assured throughout the whole term of the policy and are typically suited to family protection and where there is a requirement for a fixed amount on a claim. Decreasing term policies are usually provided in conjunction with a repayment mortgage. The sum assured will reduce on each policy anniversary to broadly reflect the mortgage balance. The premium will not change throughout the term. 

LUMP SUM AND MONTHLY INCOME 

Lump sum policies are typically suitable to repay a fixed debt or where a one off payment is required on claim. Monthly income policies, termed Family Income Benefit or Family and Personal Income protection, are available as life and critical illness policies. On death or diagnosis of a defined illness, the policy will pay a monthly sum until the end of the policy term. 

APPLICATION PROCESS 

When you apply for a policy the Insurer will underwrite the application and may take up enquiries with your GP or ask you to attend a medical examination depending on your personal & medical history. 
 
The result of these enquiries may affect the final premium you will pay. 
Contact us today for impartial & independent advice 
Mortgages
Protection
Contact us today for impartial advice 
Mortgages
Protection
October 2017 – 5 out of 5 stars 
 
Peter has been a reliable and reassuring source of information during the purchase of our house. As first time buyers, we were apprehensive about the process but Peter provided a friendly face and was able to easily explain things in a way that made sense to us. He has always been responsive to calls or emails (when others in the process have not) and willing to travel to discuss face to face when sensible. I would thoroughly recommend Peter to anyone who is looking for a mortgage and look forward to working with him again." 
 
Ben, South East London 
 
 
 
May 2017 – 5 out of 5 stars 
 
I had a fantastic experience dealing with Peter. Not only was he approachable, polite and very personable, he also found us a mortgage 
with a great interest rate that ticked all our boxes. We were first time buyers so we had lots of questions, but Peter answered them in a very clear and friendly manner. He always replied to emails and was available to talk on the phone when needed. We had made some costly mistakes with previous properties we were looking to buy due to bad advice from other brokers, but from my initial conversation with Peter I could tell he knew what he was talking about and was aware of lesser-known issues surrounding mortgages that other brokers hadn't even contemplated. He knows his onions - I would recommend him wholeheartedly. 
 
Javier, South East London 
 
 
November 2015 – 5 out of 5 stars 
 
Looking for a buy to let mortgage but I didn't feel I was getting a choice from the high street banks. Peter's number was given to me by a family member so I gave him a call. Firstly he total explained my options making sure I understood every step of the way. Then he presented me many deals from many lenders and guided me towards the correct product for me. Could not be happier with my but to let mortgage Peter arranged for me. For the last 8 years it has taken care of its self. I am even thinking of getting a third property and Peter will be called upon again. I could not be happier. He explains calmly and professionally. I feel he will only sell you a product that is right for you. 
 
London 
 
 
July 2016 – 5 out of 5 stars 
 
It was a pleasure meeting Peter. In regards to finding a mortgage, he was very honest, took the time to explain things and most of all was very knowledgeable. Highly recommended. 
 
Thomas 
 
 
January 2016 – 5 out of 5 stars 
 
Looking to re-mortgage and get a better interest rate. Advice on best mortgages, interest rates and how much to borrow. Great new mortgage with lower interest rate which has lowered my outgoings. Also manage to borrow more to pay off loans and credit cards. He was brilliant. 
 
London 
Recently separated from my husband and only two months into a new job, I thought remortgaging my house would be impossible. My existing mortgage repayments were too high for me to manage on my own, but no high street bank would even consider me with less than three months’ payslips. I found Peter’s details on ‘Vouched for’ and decided to give him a call. Extremely knowledgeable and experienced, he couldn’t have been more helpful. He really took the time to understand my unique situation and helped to reassure me by talking through the various options. He visited my house and was always only a phone call away if ever I had a question. The outcome was a much more mortgage with much more affordable monthly repayments, which meant I was able to keep a home for my son and I. I can recommend Peter without any reservation; he is professional, reliable, dedicated and a truly fantastic guy. I can’t thank him enough! 
 
Ms R.F. Teacher. South London 
I have used Peter for mortgages/remortgages a number of times over the years as well as seeking financial advice when my circumstances may have changed. Peter has an incredible knowledge of the market and products available and despite me regularly giving him difficult scenario's, he always manages to find a product that fits my circumstances perfectly.I have recommended Peter to a number of my friends and acquaintances over the years and Peter is now highly regarded amongst this group and known for both his professionalism and "can do" attitude, I would have absolutely no hesitation in recommending Peter and he will be the first person I call when I need any kind of financial advice in the future. 
 
Mark, Kent 
 
 
Peter was knowledgeable, professional and courteous from start to finish. He secured us a better deal than we imagined would be available and consistently went to the extra mile to make sure the process was as smooth and stress free as possible. 
 
Gareth from Blackheath Jan 2017