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Advice on income protection

If you have financial commitments, income protection can give you the reassurance that you're covered should the unexpected happen. Work with Beechwood Mortgages to find the right level of protection for you circumstances.

Helping you protect your income in times of uncertainty

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Do you manage your own business? Learn how self-employed income protection insurance works.

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Use our team of insurance experts to get the most competitive quotes.

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Discover the most competitive income protection insurance on the market today.

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We help you find the right policy for your needs and give you the facts you need to make informed decisions.

The right cover for your needs, now and in the future

Working with our friendly team will give you access to a number of income protection solutions, to help you identify which would be most suitable should you be unable to work due to illness or injury.


We have been advising our customers on their income protection needs since 2001, taking them through the terms, conditions and any exclusions. By giving you the information up front, we can ensure you're protected.

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

What type of cover do you need?

If you are an employee, you may be able to claim sick pay, depending on what your employer offers, so your insurance needs may be less. It is important to understand what cover you may already have as this can influence our recommendation. Income protection is also available if you are self-employed. Whatever your employment situation, you can take out policies to protect against the effects of suffering an illness or injury.

Prepare for tomorrow

We all want to make sure we’re prepared for whatever the future may throw at us. Income protection insurance can be an essential part of proactive planning, ensuring you can continue to pay your mortgage and bills should you lose your income as a result of illness or injury. Working with our team of advisers can help you find the most suitable policy for your needs.

Amount of cover

The amount of cover you need to apply for depends on your personal circumstances. Factors like the amount of savings you have, whether you have dependents and the type of policy you want will all impact what you need and the accompanying price. If you’re unsure of the suitability of a policy, please contact an adviser for help.

  • Do all mortgage brokers charge fees?
    No, not all mortgage brokers charge fees, and Beechwood Mortgages is proud to be offering fee-free mortgage services to first time buyers in 2024. (terms & conditions apply) As a mortgage broker, we earn our commission from the lender, so in most cases you don't have to worry about paying any additional fees for our assistance. We are committed to helping you find the best mortgage deal without adding any financial burden. Our goal is to make the mortgage process as transparent and cost-effective as possible for our clients. Check out our full fat version Do All Mortgage Brokers Charge Fees? for a complete rundown on broker fees and what to look out for.
  • What does a mortgage adviser do?
    A mortgage advisor will do the leg work for you, offering in-depth knowledge of the property lending market, helping you overcome challenges, and offering exclusive access to a database of banks and building societies. What's more, they offer a level of support that streamlines the entire process and makes things easier for you. You can learn more by visiting our page Why Should I Use A Mortgage Broker?
  • How can I get the best mortgage advice?
    You can seek advice on mortgages directly from lenders such as banks or building societies. Alternatively, you can go to a whole of market mortgage advisor or broker who will search and compare numerous products at the touch of a button. Check out Why Should I Use A Mortgage Broker? for more information.
  • Is mortgage advice free?
    The cost of mortgage advice depends on the terms and conditions of the broker / adviser you are working with. Many mortgage brokers will charge for their services and the amount payable will usually depend on your requirements, their own workload and perhaps on the value of your mortgage. We offer a free consultation every time and will quickly confirm if there will be any charge for our services and support. In the majority of cases, we will receive a commission from the lender once a mortgage starts. It’s important for you to clarify terms and conditions with mortgage advisers from the start so that you are aware of any charges and financial responsibilities you may incur. Check our Fees page for a full rundown on broker fees. You can also visit our page Do All Mortgage Brokers Charge Fees? for further information.
  • Do banks charge for mortgage advice?
    No, banks will not charge an advice fee. You do however need to remember that they will only recommend their own specific products. All lenders charge varying fees and this will be no different if you work with a mortgage broker. Whole of market mortgage advisors / brokers are more likely to provide an impartial perspective on the most suitable and competitive mortgage products and via a huge variety of lenders. Some brokers will charge a fee, for more helpful hints and tips, check out our article, Do All Mortgage Brokers Charge Fees?
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For invaluable income protection advice, contact the experts

Complete our online form to outline your needs, and a member of the Beechwood Mortgages team will be with you as soon as possible.

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