Mortgage & insurance explainers
Mortgage Guidance Made Simple
Buying a home is one of the biggest financial decisions most people will ever make — and it can feel overwhelming. At Fortify, we help demystify the mortgage process so you can make informed, confident choices.
What We Help You Understand:
What a mortgage is and how it works
The difference between repayment and interest-only mortgages
Fixed-rate vs. tracker or variable rates
How much you can borrow based on your income and circumstances
The true cost of buying a home, including deposits, fees, and legal costs
What lenders look for and how to get “mortgage ready”
Mortgages for self-employed, first-time buyers, and foreign nationals
We explain it all in jargon-free language, tailored to your needs — whether you're at the start of your journey or reviewing your current deal.
Insurance Protection That Works for You
Insurance isn’t just paperwork — it’s peace of mind. The right protection means you and your loved ones can stay financially secure, no matter what life throws at you.
What We Help You With:
Life insurance – financial support for your family if you pass away
Critical illness cover – a lump sum if you're diagnosed with a serious condition
Income protection – monthly payments if you're unable to work due to illness or injury
Family and mortgage protection – cover that ensures your home and loved ones are safe
We also explain:
How much cover you really need
What’s included (and what’s not)
How to balance cost vs. cover
The difference between personal and workplace insurance policies
Avoiding exclusions and claim delays
Our advice is always independent, honest, and in your best interest.
Is Your Current Cover Still Meeting Your Needs?
Life changes — and your protection should keep up.
Have there been any recent changes in your circumstances? Perhaps you've become self-employed, started a new job, welcomed a new family member, or experienced a change in your living situation?
Even seemingly small shifts can impact the level and type of cover that’s right for you. A quick review can ensure your protection still aligns with your current needs and future goals.
If you're unsure, let’s arrange a brief check-in. It’s a simple step that can provide lasting peace of mind.