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Testimonials

I think you go the extra mile to understand the individual needs of clients – very much appreciated.
H Bartlett
I think you go the extra mile to understand the individual needs of clients – very much appreciated.
H Bartlett
H Bartlett
The speed at which we obtained the DIP, and then follow it up with a mortgage offer was first class.
K Davenport
The speed at which we obtained the DIP, and then follow it up with a mortgage offer was first class.
K Davenport
K Davenport
The team arranged my property offer and submitted this for me which was accepted and I didn't have to do anything.
S Ahmed
The team arranged my property offer and submitted this for me which was accepted and I didn't have to do anything.
S Ahmed
S Ahmed
Superb service offering great impartial advice, which I have already recommended to family and friends. Keep up the great work!
M Rafi
Superb service offering great impartial advice, which I have already recommended to family and friends. Keep up the great work!
M Rafi
M Rafi
Jo has been very supportive and helpful with a transaction that has not been straightforward and at times has been somewhat emotional. Her caring approach and sensitive handling of my case has been so appreciated.
E Ryley
Jo has been very supportive and helpful with a transaction that has not been straightforward and at times has been somewhat emotional. Her caring approach and sensitive handling of my case has been so appreciated.
E Ryley
E Ryley
The team at smart moves helped us obtain a mortgage when we was in difficulty that 3 other mortgage advisors couldn’t do. The hard work they put in to every part of the process is amazing and we couldn’t thank them enough. The kept...
M Nash
The team at smart moves helped us obtain a mortgage when we was in difficulty that 3 other mortgage advisors couldn’t do. The hard work they put in to every part of the process is amazing and we couldn’t thank them enough. The kept us updated as to each stage and made getting a mortgage stress free! We will always use Smart moves when it comes to financial issues and would recommend to all friends!
M Nash
M Nash
I have always been extremely impressed with the team over a number of years and have had no hesitation whatsoever in recommending to friends and family members.
Y Quinn
I have always been extremely impressed with the team over a number of years and have had no hesitation whatsoever in recommending to friends and family members.
Y Quinn
Y Quinn
You did a great job for us and family members we recommended to you.
L Brindley
You did a great job for us and family members we recommended to you.
L Brindley
L Brindley
Very prompt response initially to give us an indication of what we could borrow, very easy to deal with & kept us informed along the way.
L Cooper-Jones
Very prompt response initially to give us an indication of what we could borrow, very easy to deal with & kept us informed along the way.
L Cooper-Jones
L Cooper-Jones
When we moved we received a lovely card and gift. Made the whole process that bit more personable. Looking forward to working with you again next year when we are due to remortgage.
L Davidson
When we moved we received a lovely card and gift. Made the whole process that bit more personable. Looking forward to working with you again next year when we are due to remortgage.
L Davidson
L Davidson

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Do I Need Income Protection?

17 Feb 2022

Simon’s story.

When I started my business, I was nervous about anything going wrong. 

After a few years, I had everything running like clockwork. I’d been on courses to learn about bookkeeping, I had good trade associates who would always call me first, and I’d even looked into hiring an apprentice.  My partner, Carly, and I moved in together and things were going great.

Then, one evening, Carly noticed I was slurring my words. When I tried to pick up my drink, I felt like I had reached out, but my arm hadn’t moved. We realised I was having a stroke. It was the most terrifying experience of my life. 

When I eventually got out of hospital, I wanted to be able to look after myself and not have to rely on Carla. We’d only just moved in together, and we were meant to be saving up for a wedding. Not a dream start! Thankfully, my mortgage adviser had advised me to take out income protection cover & I am so glad I did! Financially, I could cover my share.

Eighteen months of recovery time from a stroke – after we’d just moved in together – was not part of the plan I’d originally talked through with the mortgage adviser. But, because I’d taken out income protection, those difficult months didn’t steer me too far off track: my business is back to normal again, and I’ve hired an apprentice. 

Oh, And Carly and I are back planning a wedding, and maybe a long trip abroad.

FICTIONAL EXAMPLE TO DEMONSTRATE HOW INCOME PROTECTION COVER COULD HELP IN A REAL LIFE SITUATION.