Welcome to Ladder Up Mortgage
and Protection Solutions
Welcome to Ladder Up
Your Specialist for Mortgage and Protection Advice
Get in touch today
We take the time to understand each client’s unique circumstances—whether it’s their income, career goals, or family situation—this allows us to offer tailored advice. Instead of simply providing a generic mortgage solution
As people's lives, careers, and financial situations evolve, so too should the financial products available to them.
When a clients understand why certain mortgages are recommended for their needs, they feel more in control of their financial decisions. Education is key to help navigate the often-complex mortgage landscape. By taking the time to explain terms, interest rates, and different loan products.
As a Whole of Market Mortgage Advisor, Ladder Up have the ability to offer unbiased and comprehensive mortgage advice by comparing products from all lenders available in the market, rather than being restricted to a limited panel of providers. This is a significant advantage for clients, as it ensures that they have access to the widest range of mortgage options, tailored to their specific needs.
First Time Buyers
Buying a home is so exciting, We will help you to establish your purchase budget, get you an AIP so you are ready to to view properties and make offers.
We will look at your monthly budget and projected out goings, so when you make the move you are fully prepared.
If you are not quite ready it is never too soon to get in touch, we can discuss affordablity so that you can work towards your future goals.
Moving Home or Re-mortgaging
Moving Home or Re-mortgaging
No obligation quotes, we can discuss a whole range of mortgages with you, to make sure you are aligned with the best products at the time.
With a constantly moving market, make sure you are getting the best advice possible.
Buy to Let
Helping your to invest in your future
The
Protection
What type of protection do I need?
We cover our cars, phones, pets and other possessions – but what happens when we break?
The idea of protection is to keep that money coming in if the worst were to happen. ‘Protection’ is a term that includes various different types of insurance that cover you for unexpected life events. They can reassure you that your family and lifestyle will be protected in any situation.
This page summarises the main types of protection and why you should protect you and your loved ones. If you can’t work due to illness or an injury, how long will your employer pay you? If you’re Self-Employed, there’s no sick pay at all – how would this loss of income impact your family?
Types of Protection
Income Protection
Income protection will pay you a monthly sum to help you cover your mortgage payments, bills and other household costs if you’re unable to work. It’s a flexible product – you can design it to start paying when your employer’s sick pay reduces to the basic rate, set the amount you need, and decide how long you want it to continue.
It’s a very important product and one that we urge every client to consider carefully. It’s not a pleasant thought, but you’re more likely to need to claim on an income protection policy than your life insurance.
Family Income Benefit
This is a form of life insurance that pays a regular sum to your family if you were to pass away. Many people take this kind of policy out in addition to the lump sum you typically receive from life insurance so that your family doesn’t have to make major changes after your death. It means that their lives can continue as planned.
Again, these products are very flexible and can be tailored to your budget. You usually take them out for a set term, such as 15, 20 or 25 years.
Life Assurance
Life insurance is probably the best known protection product. It pays a lump sum to your partner or dependents if you were to die during the term of the policy.
There are different forms of life cover, which means you can buy the product that suits your situation best. A common approach though, is for your family to pay off the mortgage if you die.
Many people worry about getting life insurance if they have pre-existing medical conditions. In most cases, you can still get cover. It’s just a question of being honest about your medical health and exploring what the options are.
Critical Illness Cover
Critical illness cover pays you a lump sum if you are diagnosed with a serious illness such as cancer, heart disease, stroke or multiple sclerosis.
People sometimes think that providers seek ways to avoid paying out or that the list of conditions isn’t long enough – but the insurers we work with absolutely do pay and are there to support you when you need them.
Critical illness insurance could replace your salary, help pay for lifestyle changes or even household adaptations – it takes the pressure off, so you can focus on your treatment.
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