Can I arrange my mortgage online if I live outside Warrington?

Yes. Whilst we are based in Warrington, we provide full whole-of-market mortgage advice and protection planning to clients nationwide across the UK via secure Zoom, Microsoft Teams, and phone consultations.

How much deposit do I need to buy a house in the UK?

Most UK lenders require a minimum deposit of 5% to 10% of the property’s purchase price. For example, buying a £200,000 property with a 5% deposit requires £10,000 down, whilst a 10% deposit requires £20,000.

How far in advance should I start remortgaging before my deal ends?

You should begin reviewing your remortgage options 6 months before your current fixed rate expires. Securing a new mortgage offer early locks in competitive rates and prevents you from falling onto your lender’s expensive Standard Variable Rate (SVR).

Do you charge fees for mortgage advice?

Our initial consultation is conducted without obligation. We provide a personalised Client Agreement outlining any specific advice fees before you proceed.

How much can I borrow for a mortgage based on my income?

Standard UK lending guidelines allow you to borrow roughly 4 to 4.5 times your gross annual household income, subject to outgoings, credit checks, and lender stress testing.

What documents do I need to provide for a Decision in Principle (DIP)?

To secure a Decision in Principle, you need a photo ID (passport or driving licence), proof of address (utility bill within 3 months), 3 months of recent payslips or 2 years of SA302s (if self-employed), 3 months of bank statements, and proof of deposit.

Many parents are under protected

Discover why many UK parents risk financial hardship without income protection, and learn how consulting an adviser can safeguard your family's future.

MORTGAGE PROTECTION

9/29/20262 min read

a group of people standing on a hill looking at the sunset

Research has found that many parents with children under 18 do not have appropriate protection in place, potentially leaving their families vulnerable to financial shocks.

The survey indicates that many parents would struggle to maintain their current standard of living if they were unable to work due to illness or injury. A third (32%) said they could cover essential expenses for less than three months if their income stopped. Meanwhile, if they were out of work for a year, the biggest concern for parents would be paying their household bills (50%) and keeping up with mortgage or rent payments (49%). Almost half (46%) were worried about being able to afford food and other necessities.

Parents putting it off

Four in ten parents expressed concern about providing for their family if their income stopped. This anxiety could be alleviated by taking out protection, which provides peace of mind that you will be covered through life’s unexpected moments. However, many survey respondents did not have adequate insurance in place. Over a third (37%) said they thought about getting income protection when they had children, but only 18% actually did so. This suggests that, while some parents understand the value of protection, it is not the top of their priority list.

Justin Garbutt at Vitality commented, "There is a clear gap between how much parents value protection and how often it gets acted on. Many recognise its importance, but good intentions are not always translating into action.”

Are your savings enough?

It may be tempting to rely on your savings instead of a protection policy, but have you worked out how long these funds would realistically last? Nearly a third (31%) of respondents said they have less than £3,000 to fall back on if their income stopped. For most families, this would not be a sufficient financial buffer, so an additional layer of support would be necessary.

Consult an adviser

According to the survey, 13% of parents said that they would like to get protection, but they haven’t got round to it yet. Meanwhile, 31% are concerned that they can’t afford protection. A professional adviser can support you through the process and source a policy that works for your financial situation.

We understand that when you’re a parent, there are lots of tasks on your to-do list, but protection is not something that should be overlooked. Making time to sort this now could significantly alleviate stress in the future, should you be unable to work.

As with all insurance policies, conditions and exclusions will apply.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Sources:

https://protectionreporter.co.uk/one-in-three-parents-lack-protection-for-income-shock.html

https://www.vitality.co.uk/media/new-research-suggests-income-shock-could-push-one-in-three-parents-into-hardship-within-three-months/

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I J Mortgage Solutions, 17 Blackley Close, Warrington, WA4 1JA

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0330 133 2620
info@ijmortgages.co.uk

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© 2025 I J Mortgage Solutions Limited is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority. Our FCA number is: 1052669.

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Company Number: 16927737 Registered in England & Wales

There may be a fee for arranging a mortgage and the precise amount will depend on your circumstances. This will typically be £399 Your property may be repossessed if you do not keep up repayments on your mortgage.