Mortgage & protection advice · Great Britain & Northern Ireland

UK mortgages and protection — clear advice, no jargon.

Specialist advice across mortgages, personal protection and business protection — throughout Great Britain and Northern Ireland. For people buying or remortgaging a home, families protecting their income and loved ones, and business owners safeguarding continuity.

Book a call Not sure where to start

No obligation consultation

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

◷ No obligation consultation ✓ Access to a broad lender panel
Three main branches

Mortgages, personal protection and business protection — three equally important areas.

Any of these areas can be the main reason to talk — whether it's a mortgage, protecting your family and income, or safeguarding a business.

Branch 01

Mortgages

For first-time buyers, people changing their current mortgage, property investors, or anyone checking what's realistic before making an offer.

  • First-time buyer — affordability, deposit, documents and lender expectations
  • Remortgage — review of current deal, payments, fees and timing
  • Buy-to-let — investment financing and lender criteria
  • The process from first call to mortgage application, in plain terms
For clients whose main question is about financing, affordability or choosing the right mortgage option. View details
Branch 02

Personal Protection

For people who want to protect family, income, property or everyday finances. Protection can be linked to a mortgage — or it can stand on its own.

  • Life cover — protecting family and the mortgage in the event of death
  • Critical illness cover — support if a serious illness is diagnosed
  • Income protection — protecting regular income during illness or injury
  • Accident protection — a cash benefit after an accident
  • Buildings & contents — home and possessions
For clients whose main concern is financial safety, income, family or property. View details
Branch 03

Business Protection

For business owners, partners and those responsible for key employees. It helps protect the long-term financial stability of the business in difficult situations and maintain continuity.

  • Relevant Life Plans — life cover for directors and employees
  • Key Person Cover — protecting the business if a key person falls ill or dies
  • Shareholder & Partnership Protection — buying back a departing owner's share
  • Business Loan Protection — covering the repayment of business borrowing
For clients whose main question is about business continuity, partners, key employees or company liabilities. View details
Start here

Which situation is closest to yours?

Most people don't need to know product names upfront. Pick a situation, and we'll then work out together whether it's a mortgage, protection or both.

I'm buying my first home

Affordability, deposit, paperwork, credit history and what to prepare before viewings or making an offer.

See first-time buyer options

My current deal is ending

A review of your current deal, possible payments, fees, timing — and whether it's better to stay with the lender or switch.

Explore remortgage

I want to protect my family and income

Life cover, critical illness cover and income protection compared in plain English — without paying for cover that doesn't fit you.

View personal protection

I want to insure my home

Buildings and contents insurance matched to the property, the budget and what actually needs to be covered.

View home insurance

I run a business

Protecting key people, business owners and company commitments — so the business can keep running through difficult times.

View business protection

I'm not sure where to start

A short, no-obligation conversation to make sense of your situation and work out what's worth considering.

Contact me to talk it through
Scope of advice

In detail: what I can explain and help with.

Each card is a real client situation — with a short description, the key points, and the next step. Product names match what UK lenders and insurers actually use.

Mortgages

Branch 01

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

First-time buyer

Buying your first home in the UK

Walking you through the whole journey: from affordability and deposit to documents and lender criteria.

  • Income and expenditure analysis (UK affordability)
  • Required documents and credit history
  • Agreement in Principle before viewings
  • Choosing product type (fixed / tracker / other)
Let's talk
Remortgage

Your current deal is ending

A calm review of terms before you slip onto the lender's standard variable rate (SVR).

  • Comparing the current deal with alternatives
  • Product transfer vs switching lender
  • Early repayment charges (ERC) and timing
  • Impact of new payments on the household budget
Let's talk
Buy-to-let

Mortgage for a rental investment

Buy-to-let has different criteria than a standard residential mortgage. I'll explain what lenders will realistically accept.

  • Rental stress test and lender requirements
  • Limited company vs personal ownership
  • Interest-only vs repayment
  • Realistic capacity for an additional property
Let's talk

Personal Protection

Branch 02
Life cover

Protecting family and the mortgage

Most often a term policy designed to pay off the mortgage or leave a lump sum for the family in the event of death.

  • Level term, decreasing term, family income benefit
  • Sum assured matched to the mortgage and family situation
  • Trust planning — what it actually means
  • Realistic monthly budget — without overpaying
Let's talk
Critical illness

Support if a serious illness is diagnosed

Pays a lump sum if you're diagnosed with a defined serious illness — such as cancer, heart attack, stroke. The key is understanding what's covered.

  • Conditions covered — differences between insurers
  • Children's cover — optional additional benefit
  • Stand-alone CIC vs combined with life cover
  • Understanding exclusions before signing
Let's talk
Income protection

Protecting your regular income

A monthly payment if illness or injury keeps you from working. The most underrated — and most practical — type of cover.

  • Short-term (e.g. 2 years) vs long-term to retirement
  • Deferred period matched to savings and employer benefits
  • Own occupation vs any occupation — what it means in practice
  • Realistic monthly benefit amount
Let's talk
Accident Protection

Accident Protection

Provides a cash benefit for certain accidental injuries and hospitalisation. Sickness-related hospital stays are covered once the policy has been in place for 12 months.

  • Benefit for certain injuries — including broken bones, paralysis, and loss of sight or hearing.
  • Cover for hospitalisation in the UK and 27 European countries; benefits for total permanent disability and death (accidental and non-accidental).
  • No medical questions at application; optional add-ons: Child Cover and Active Lifestyle Cover.
Let's talk
Buildings & contents

Buildings & contents

Buildings and contents cover matched to the property, budget and the household's real needs.

  • Buildings cover (the structure and permanent fixtures) — usually required by the lender when buying.
  • Contents cover — the moveable belongings kept in the home.
  • The level of cover and sum insured should reflect the value of the property, its contents and the household's circumstances.
Let's talk

Business Protection

Branch 03
Relevant Life Plans

Life cover for directors and employees

A way for a company to provide individual life cover for selected directors or employees. In the right circumstances it may be treated in a tax-efficient way.

  • The policy is paid for by the company, not from personal income
  • The benefit is paid to the insured person's family
  • Possible tax advantages for the company and the employee

HM Revenue & Customs practice and tax legislation are complex, depend on individual circumstances and may change in ways that cannot be foreseen.

Let's talk
Key Person Cover

Protecting the business if it loses a key person

Financial protection for the business if an important employee or director becomes seriously ill or dies.

  • Funds to keep the business running during a transition period
  • Time to find and bring in a replacement
  • The benefit can help the business meet replacement, recruitment or temporary loss-of-revenue costs.
Let's talk
Shareholder & Partnership Protection

Buying back a departing owner's share

Helps the remaining owners buy back the shares when a partner dies or becomes seriously ill — keeping control of the business in the right hands.

  • Funds to buy back the share from the partner's family
  • Keeping control of the business
  • Helps provide funds to buy shares without placing additional pressure on the business's day-to-day finances.
Let's talk
Business Loan Protection

Covering business liabilities

Provides the means to repay company loans and liabilities if the person responsible for them falls ill or dies.

  • Covering loans and business liabilities
  • Protecting the company's cash flow
  • Matching the level of cover to the size of the liabilities
Let's talk
Business Income Protection

Support during an employee's long-term illness

Helps cover the cost of continuing to pay a sick employee during a prolonged absence.

  • Covering sick pay during the period of illness
  • Supporting the company's cash flow during the absence
Let's talk
About
Agnieszka Łukaszuk-Ewiak — Mortgage & Protection Adviser CeMAP CeRER
Agnieszka Łukaszuk‑Ewiak CeMAP · CeRER · Mortgage & Protection Adviser
Based in Dundee
Coverage Great Britain and Northern Ireland · remote consultations
Advice areas Mortgages · Personal Protection · Business Protection

A human adviser at important financial moments.

A business background (MA in Business Administration and Marketing) and over eight years of experience working with clients in the UK — first in protection and insurance, later also in mortgage advice. A structured, analytical approach to numbers combined with calm, straightforward communication.

The practice is based in Dundee, with remote consultations available for clients across Great Britain and Northern Ireland. The first conversation comes with no obligation — its only purpose is to leave you better informed than when you arrived.

CeMAP Mortgage advice
CeRER Equity release
Years of advice experience in the UK
No obligation Mortgage & protection consultation
How it works

A simple process. Clear next steps.

The process should lower stress: you know what happens next, what information will be needed, and when a decision is made.

01

Book a short call

Pick a convenient time and briefly say whether it's about a mortgage, protection or general advice.

02

You walk me through your situation

We talk through income, family, property, current commitments, documents and your main concerns.

03

We compare options

You get a clear explanation of the available routes, the differences, the risks, and what's likely to make sense.

04

You move forward calmly

You know which documents to prepare, what to check, and what the next practical step is.

FAQ

Short answers to the questions people ask most often.

Does the consultation come with no obligation?

Yes. The consultation is about understanding your situation and explaining the available options. There is no obligation to proceed or sign anything.

If a fee may apply to mortgage advice, it will be explained clearly in advance. No fee is charged for protection advice.

What's the difference between remortgage and product transfer?

A product transfer is moving to a new rate with the same lender, usually without full reassessment. A remortgage is moving to a new lender — more choice, but a fresh application is required.

What matters for you is which option gives better terms in your specific case — and that's what we work through together.

Do I have to buy insurance with my mortgage?

Buildings insurance is normally required by the lender on a purchase. Other types of protection (life cover, CIC, income protection) are optional — and should be matched to your situation, not pushed on you.

What documents should I prepare before the first call?

Nothing is required before the first call. After it, you'll get a short practical list: latest payslips or tax returns, bank statements, ID and proof of address. The rest is worked through together.

Do you work with clients across Great Britain and Northern Ireland?

Coverage spans Great Britain and Northern Ireland. Remote advice (phone or video) is available — provided the property or your situation falls within the scope of advice. Easiest to confirm in a short call.

Contact

You don't need to have all the answers before the first call.

The first consultation is about understanding your situation and pointing to a sensible next step — no pressure, no obligation.

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