Clear, straightforward mortgage and insurance advice for first-time buyers, self-employed applicants, landlords, visa holders and complex cases.
Buying your first home? Understand the deposit, income evidence and steps from an agreement in principle to a full application.
Missed payments, defaults or a CCJ can affect your options. Tell us what happened and when, so an adviser can explain possible routes and the evidence a lender may need.
Sole trader, company director, contractor or CIS worker? Explore how lenders may assess your income and what records to prepare.
Buying or refinancing a rental property? Review the borrower, rental income, deposit or equity, costs and property before choosing a lending route.
Approaching the end of a deal or considering extra borrowing? Compare a product transfer with a remortgage, including fees and any early repayment charge.
Living in the UK on a visa? Discuss your residence, income, deposit and plans. Eligibility depends on the lender and your full circumstances.
Explore buildings and contents cover for your home. Check the sums insured, excesses, exclusions and optional benefits before choosing a policy.
Planning a refurbishment or development? Discuss the project, security, budget, timescale and repayment route before choosing finance.
Consider cover that could help your family repay a mortgage or meet other needs if you die. Compare the term, exclusions and cost before applying.
We start with your plans and circumstances, explain the routes we can consider, the costs and the evidence needed, then support an application if you choose to proceed. The lender or insurer makes the final decision.
Tell us what you are trying to do and what may make the application less straightforward. An adviser can discuss possible options, explain the next steps and make any fees clear before chargeable work begins.
The amount you can borrow depends on your income, spending habits, and credit history.
Deposits vary depending on the type of mortgage you’re applying for.
Interest rates depend on the size of your deposit, your credit profile, and the type of mortgage.
Fees can add up, so always check the full cost of a mortgage.
Both have advantages, and the right choice depends on your situation.
Being organised with paperwork helps speed up approval.
Yes — though it may cost more.
A Mortgage in Principle (MIP) shows how much a lender may be willing to lend.
Mortgage repayments are usually monthly and come in two types:
By category:
A broker can help you access a wider range of lenders, including specialist providers, and guide you through the process.
Yes, Count Ready also provides advice on life insurance, income protection and other forms of cover.
Life insurance isn’t a legal requirement, but it’s often essential if you have dependants, a mortgage, or people relying on your income. It ensures loved ones are financially supported if you pass away.
Life insurance pays out a lump sum to your beneficiaries if you die during the policy term. Income protection, on the other hand, replaces part of your salary if you’re unable to work due to illness or injury. Many people choose both for full cover.
It depends on your circumstances. Consider your mortgage balance, household bills, childcare costs, and future expenses. A good rule of thumb is enough to clear debts and provide at least a few years of income replacement.
Business protection covers companies against financial loss if a key person dies or becomes seriously ill. It can also help partners buy out shares or repay loans, ensuring the business continues smoothly.
Yes, especially if you don’t have generous sick pay. Income protection can pay a monthly benefit until you’re well enough to work again, giving peace of mind that your bills and mortgage will still be covered.
Landlord insurance protects rental properties against risks like fire, flood, and damage. It can also cover loss of rent if tenants can’t live in the property and liability cover if tenants or visitors are injured.
If you own a property, buildings insurance is usually required by mortgage lenders. It covers the structure of your home against events like fire, storms, subsidence, or burst pipes. Tenants usually only need contents insurance.
Costs vary depending on the type of cover, your age, health, occupation, property value, or rental income. Life insurance premiums, for example, are cheaper the younger and healthier you are. Landlord and buildings insurance costs depend on rebuild value and location.
Yes, though it depends on the condition and severity. You may pay a higher premium or have exclusions. Speaking with a broker who specialises in high-risk or medical conditions can help you find cover.
Think about what risks you need to protect against — your family’s future, your income, your business, or your property. Compare policies, check exclusions, and don’t just go for the cheapest option. Advice from a broker can ensure you’re fully protected.
