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Can someone with diabetes get medical insurance?

Medical insurance for people with diabetes

People with chronic medical conditions like diabetes, often don’t consider health insurance or medical insurance. The fact is that there are options for people with diabetes to get affordable medical insurance.

You could get comprehensive medical insurance that covers a wide range of treatments and specialist care. One of the most common reasons for medical insurance is Cancer Cover which would be included for people with diabetes.
People with chronic medical conditions like diabetes, often don’t consider health insurance or medical insurance.
Most brokers don’t offer medical insurance for people with diabetes because your existing condition won’t be covered. They don’t consider the things that are still covered and great value for money!

Health insurance and diabetes

Here are some of the main questions that we get asked by our customers with diabetes when we look at medical insurance for them.

More information about HEALTH INSURANCE

What isn’t covered by medical insurance for diabetics?

All medical insurance policies will exclude a pre-existing medical condition, but this isn’t always an issue. Medical insurance is designed to complement any treatment that you are already receiving or have already received.

Diabetes care, for example, will be treated and monitored by your GP or via the NHS which is usually very comprehensive. You’ll continue to receive this care from the NHS to help to manage your diabetes so this will not be covered.

If you have further medical or health problems connected to your diabetes, then these would also be treated under your NHS care.

What is covered by medical insurance for people with diabetes?

Medical insurance can cover a vast range of medical conditions and treatments, so you can build your plan to suit you. You’ve got a number of options with most types of private medical insurance, these include:

  • Core Cover
  • Cancer Cover
  • In-patient Care
  • Out-patient Care
  • Dental Cover
  • Global Travel Cover

If you’re a diabetic and you’ve been thinking about getting medical insurance, then these are all the things you can consider. You can tailor your cover to suit your needs and what’s most important to you.

How can I apply for medical insurance with diabetes?

There’s a couple of ways to go about getting health insurance for someone with diabetes and you can choose which is best for you:

Full Medical Underwriting

You could choose to go down the route of getting your application fully underwritten by an underwriter. In this situation, your application would ask for information about your diabetes and anything else pre-existing.

The main point of this option is to make sure that your existing and previous medical conditions are taken into consideration. This means that those conditions and related conditions would be excluded from the life of the plan.

The main benefit of this is that your premiums would be adjusted to take account of the things that won’t be covered.

This is a very sensible option for people with diabetes because it is a chronic condition, so would never be covered anyway. In this situation, you’d know upfront what is and isn’t covered so good for your own peace of mind.

Moratorium Underwriting

The other option for applying for medical insurance with diabetes is moratorium underwriting. This is the quickest and easiest way of applying for health insurance because you won’t have any medical questions to answer.

If you choose to go down this route then you won’t need to supply any medical information at all. You’ll just be asked to select which type of cover you want and what you want to be included in your plan.

When your policy is live, your medical history will only be taken into account at the point of a claim. Anything that you have experienced for a period of time before the plan was activated will be excluded.

How much does medical insurance cost for diabetics?

You’ve got loads of options for taking out a suitable and affordable plan when you apply for medical insurance. In the case of someone with diabetes, as detailed above you could go through medical underwriting which could help to reduce cost.

How you build your plan and what cover you need is entirely up to you. There are lots of options available which can reduce the cost of your cover, such as:

  • Excess
  • No claims discounts
  • Switch and Save
  • Cover options

How can I get cheaper medical insurance for diabetes?

By choosing the right cover and the right insurance company, you can keep the costs down. There’s a lot of different options, types of cover, and insurance providers which can be confusing.

You’ll be able to speak to one of our experts who can get quotes from some of the UK’s biggest health insurance providers.

Other related articles:

Does my blood sugar levels (Hba1c/Mmol) affect life insurance?

How does my HbA1c reading affect Life Insurance rates?

(Author: Daniel Sharpe-Szunko)

One of the big things for insurers considering life insurance for people with diabetes is their HbA1c (Mmol) reading which is the blood sugar level. The term HbA1c is an abbreviation for Glycated Haemoglobin which develops when hemoglobin (a protein in red blood cells that carries oxygen through the body) meets glucose in the blood, which becomes glycated.

There are two types of measurements for this type of reading which is usually taken by your doctor, the readings can be given as mmol/mol or % (HbA1c).

HbA1c levels for people with diabetes are as follows:

    Levels Mmol/mol Percentage (%)
    Normal Under 42 Under 6.0%
    Prediabetes 42 to 47 6.0% to 6.4%
    Diabetes Over 48 Over 6.5%

Life insurance underwriting for people with diabetes has several levels to consider, that can have an impact on your premiums:

    Levels Mmol/mol Percentage (%)
    Low (good control) Under 53 Under 7.0%
    Moderate (could improve) 54 to 74 7.0% to 8.9%
    High (poor control) 75 to 85 9.0% to 9.9%
    Very High Over 86 Over 10.0%

In more recent years there have been changes to the levels being accepted, so more and more we’re seeing insurers accepting people with readings over 10.0% (86Mmol/mol). We also understand that blood sugar levels is not an exact science, and there are situations where people could be asked by their GP to maintain higher readings, such as sportspeople.

World Mental Health Day 2020 – Mental illness during COVID-19

World Mental Health Day 2020 (10th October)

Today (10th October 2020) is World Mental Health Day and quite possibly the most important one to date.

2020 has been the most difficult period since World War 2 according to many. Even speaking to people who lived through the second World War, suggesting that this period has been worse in some ways.

Mental health has played a massive part for many of us because of:

  • Financial worries
  • Health risks
  • Parental stress
  • Employment insecurities

According to a recent survey of 16,000 people in the UK, more than half (60%) of adults and nearly two thirds (68%) of young people said that their mental health was worse during lockdown.

There have been several major studies and records to show that mental illness has been a major problem through the pandemic. People left feeling insecure, vulnerable and isolated during lockdown has caused potential long lasting damage.

World Health Organisation: https://www.who.int/campaigns/world-mental-health-day/world-mental-health-day-2020

Considering your mental health and those close to you has never been more important

Mental health and mental illness is at the forefront of news and social media today to help raise awareness and support those who are suffering. In these uncertain times, it can seem incredibly difficult to make positive changes.

National mental health charities providing support include:

  • Mental Health Foundation

Link: https://www.mentalhealth.org.uk/campaigns/world-mental-health-day

  • Mind Charity

Helpline: 0300 123 3393

Link: https://www.mind.org.uk/get-involved/world-mental-health-day-2020/

  • Rethink

Helpline: 0300 5000 927

Link: https://www.rethink.org/get-involved/awareness-days-and-events/world-mental-health-day/

  • Young Minds

Helpline: 0808 802 5544

Link: https://youngminds.org.uk/

  • Time to Change

Link: https://www.time-to-change.org.uk/get-involved/world-mental-health-day

Thankfully there are now lots of resources to help people who are suffering from mental illness. Other resources include:

  • Samaritans
  • Saneline
  • Childline
  • Side by Side
  • SHOUT

We urge anyone struggling with mental health problems to seek guidance from their medical practitioner or contact one of the support services above.

Health insurance update – new health insurance partners

Health insurance news

We’re proud to announce that we’re extending our health insurance panel to offer more choice and better cover to our customers. We now offer a comprehensive range of health insurance products from the UK’s biggest and best providers.

Health insurance is now more important than ever due to the recent issues faced by the NHS in England, Scotland and Wales. The demand for quality health insurance has increased as people become more aware of the need for cover.

Here’s some information about health insurance or private medical insurance (PMI) to help explain why you might want to consider cover.

Our health insurance partners

We’re delighted to welcome some of the UK’s top health insurance companies to our panel of insurers. Our health insurance partners include:

  • AXA PPP
  • Aviva
  • BUPA
  • The Exeter
  • Vitality Health

Why do I need health insurance?

As a result of the recent strain added to the NHS from Coronavirus, it’s more important than ever to get the right level of care. If you are ill or you need treatment then you might not get access to care as quickly as you need.

Health insurance makes sure that you get access to the best care from private doctors and specialists.

You also avoid long NHS waiting times which can be costly be personally and to your health.

What is health insurance?

Health insurance is a type of insurance policy which provides cover for the cost of private healthcare. The policy works in the same way as most types of insurance, you pay a monthly or annual premium, and your insurer (provider) pays out for a claim. In this case, a claim would be the cost of some or all of your private medical treatment.

A health insurance policy can be taken out as either a single policy for you, or joint policy to cover you and your partner. It can be easier and more cost effective to take out a joint policy, this means you’ll also only have one policy and one insurer to deal with.

What are the reasons for taking out health insurance?

Waiting times

Currently the waiting times for treatment on the NHS are increasing which can be extremely costly for your health. The longer you are made to wait for treatment, the higher the risk of longer lasting damage to your health

Treatment

Health insurance provides a far greater amount of treatment options and a wider choice for you and your family. There can be treatments that are available through your health insurance provider which aren’t available on the NHS

Comfort

As a health insurance customer, you’ll be treated in private hospitals which will offer a higher standard of facilities. This can include your own personal room with extremely comfortable surroundings

What does health insurance cover me for?

We offer a range of levels of health cover which can include a number of different options, depending on what you need. We can also create a package for you and your family which is more affordable

Bronze

A bronze health insurance package will include inpatient cover which will pay for treatment during hospital inpatient care

Silver

Will include inpatient (bronze) treatment as well as generally providing cover for outpatient care as well

Gold

This is a more comprehensive level of cover which would provide inpatient and outpatient cover, as well as full therapies cover and other types of specialist treatments (e.g. mental health, dental care and physiotherapy)

Are you interested in getting a quote for health insurance?

If you’re unsure and just want to know more then you can speak to one of our team of health insurance experts. You can contact iam|INSURED free on 0800 009 6559 or complete our enquiry form

Your questions: Does life insurance pay out for suicide?

Does life insurance pay out for suicide?

Most people would not usually think to find out whether their life insurance policy pays out for suicide. The fact is that almost all standard life insurance policies will pay out for claims form suicide after an initial qualifying period.

Here we look at what the rules are around claims for suicide from a life insurance policy in the UK. Even though this is an incredibly difficult subject to discuss for most, unfortunately it is a valid question.

We’ll consider which insurers will pay out for suicidal death and what the clauses are.

What is a suicidal death clause and how does it work?

The majority of life insurance policies in the UK will be written with a suicidal death clause. This clause sets out the terms and conditions for payment of a claim from suicide and how the cover would apply to your policy.

What does a suicidal death clause do?

A suicidal death clause typically relates to a time period from the start date of the policy (inception). This time period is where a claim would not be paid in the event of suicidal death.

How long would I not be covered for under a suicidal death clause?

The majority of suicidal death clauses will last for a period of 12 months from the start date of a policy currently, however some are 24 months. This time period is subject to change and may vary from one insurer to another.

Will my life cover pay out for suicidal death after the exclusion period?

The short answer is, yes. After the initial exclusion period of 12 or 24 months, you’ll be fully covered under most life insurance policies in the UK. If a claim is raised for suicide then the insurer may ask for medical evidence or a hospital report.

The main reason for a claim being declined is ‘non-disclosure’ so make sure that you tell your insurer everything about your health when you apply. You may be asked some quite personal and difficult questions, this isn’t unusual and just be as honest as you can.

What are the main life insurance providers in the UK that cover suicide?

Below is a table of the Top 10 insurers that pay out for suicide and the terms of the suicide clause:

Insurance provider Suicide cover Initial period for when suicide is not covered
Aegon Yes 12 months from the policy start date
AIG Yes 24 months from the policy start date
Aviva Yes 12 months from the policy start date
Beagle Street Yes 12 months from the policy start date
Legal & General Yes 12 months from the policy start date
LV= Yes 12 months from the policy start date
Royal London Yes 12 months from the policy start date
Scottish Widows Yes 12 months from the policy start date
Vitality Yes 12 months from the policy start date
Zurich Yes 12 months from the policy start date

 

Can I get life insurance if I suffer with a mental disorder?

Life insurance applications have changed dramatically over the past several years for mental health. Modern versions of the life insurance application form will ask a set of standard questions about mental health, suicide and/or self-harm.

This is mainly due to the number of claims that have been paid in recent years due to suicide, and the prevalence of mental health.

You might be asked a number of questions about your mental health and to provide information about any personal issues. We appreciate that this can be incredibly difficult for people to answer in some situations but it’s important to let your insurer know about it.

What questions will I be asked about my mental health?

When you speak to one of our advisers, you’ll be asked questions about mental health, self-harm and suicide.

Some of the questions might be:

  • Have you ever harmed yourself or thought about harming yourself
  • What type of mental disorder you suffer from
  • Have you ever been referred to a specialist or admitted to hospital
  • What type of medication / treatment do you receive
  • When were you diagnosed with the mental disorder

Is it possible to get life insurance if I’ve attempted suicide or harmed myself?

It may be possible in a lot of cases to get life cover if you’ve previously attempted suicide or self-harmed. There are some insurers who are more sympathetic than others to people who’ve had previous more severe problems connected to mental health.

There are a number of potential things to consider if you’ve had severe mental health symptoms or issues. It’s often better to speak to an expert like iam|INSURED, who can guide you better because:

  • Advisers who understand your needs and circumstances
  • Able to find the fairest price and the best cover
  • Be sympathetic to your needs
  • Know which insurers are best for your situation / history

What if I’ve been declined cover in the past because of mental health?

It is possible that you might have previously applied for life cover, but were declined because of your mental health. It’s also very possible that a specialist or expert such as iam|INSURED can still get cover for you.

Also there are a number of reasons why cover may now be available where it wasn’t previously:

  • Change in underwriting
  • Applied to the wrong insurer
  • Improvements in your health
  • Time has passed since your last application

If you need advice or help with life insurance and have mental health issues then you can contact iam|INSURED on 0800 009 6559

High BMI and Overweight life insurance during COVID-19

High BMI and Overweight life insurance during COVID-19

One of the most commonly linked health problems with higher risks of serious illness from COVID-19 is high BMI and Obesity. There have been several major studies that have shown that people with a BMI of over 35 are at 40% higher risk of death due to COVID.

There are currently some issues with life insurance underwriting in the UK and globally due to the current pandemic. Most insurance providers in the UK have restricted their limits so are currently only offering cover up to certain levels.

At iam|INSURED, we’re experts in helping people with medical conditions and health issues to get life insurance at a fair price. Our team of expert advisers speaks to literally thousands of people every month to help them to protect their families.

COVID-19 has caused insurance providers to impose extra underwriting restrictions which includes BMI levels. We are constantly reviewing the situation and working with our partners which includes some UK’s top insurance brands.

High BMI (body mass index) and Obesity statistics in the UK

Obesity and high BMI are some of the most common health risks in the UK which is also the most common health disclosures in life insurance.

Facts and figures:

  • 62% of the UK population is overweight
  • 58% of women and 68% of men are overweight
  • Almost a quarter (25%) of UK adults are classed as obese
  • The UK has the highest obesity rates in Europe
  • Around 30,000 deaths in the UK are weight-related

What is classed as overweight or obese in the UK?

Weight classification in the UK is linked to Body Mass Index (BMI). Although this is not the most reliable method of calculating a person’s health, it does provide a good indication.

Example: A bodybuilder or rugby player can be healthy and athletic but have a high BMI due to their muscle mass

BMI calculator:

Current BMI categorisation in the UK according to the NHS are:

  • Underweight: Below 18.5
  • Healthy weight: 18.5 to 24.9
  • Overweight: 25 to 29.9
  • Obese: 30 to 39.9

How has COVID-19 affected Obesity and High BMI life insurance?

There have been a number of studies that clearly link high BMI and obesity with a serious illness or even death from COVID-19.

Previously, in life insurance in the UK, it has been possible to get cover with a BMI of over 50 from a select group of insurers.

BMI limits for life insurance before COVID-19:

  • Standard life cover: 50
  • Specialist life cover: 55

Current BMI limits for life insurance in the UK:

  • Standard life cover: 40
  • Specialist life cover: 44

What are the health risks for people who are overweight during COVID?

According to recent studies, obesity can increase the risk of death due to COVID-19 by 48%. The study which was carried out by the University of California (UNC) and the Saudi Health Council and World Bank, found that people who were obese were nearly 50% higher risk, which was “scary” a researcher said.

Another study found that people with a BMI of between 35 and 40, were at 40% higher risk of death, and those with BMI’s of over 40 were 90% higher risk. This is compared to those who did not have a high BMI.

Other data sources found that 7.9% of critically ill patients with COVID-19 had a BMI over 40, which was compared to 2.9% of the rest of the population.

Medical conditions linked to High BMI and Obesity:

What’s going to happen to life insurance rates for people who are overweight?

The current situation with the pandemic is constantly being reviewed by insurers and by medical experts. We are also speaking to our insurance partners on a weekly basis to find out whether anything is going to change.

The current underwriting guidance is not likely to change for the foreseeable future until the situation with COVID changes. Some insurers are suggesting that they may relax their rules after a 2nd wave or after a vaccine has been released.

What else can I do if I can’t get life insurance currently because of my weight?

There are certain insurance products that are available through iam|INSURED to help protect your family through this period. It’s our aim to provide some life cover to our customers where possible, regardless of their health.

Some of the other options include:

  • Over 50’s life cover (if applicable)
  • Guaranteed acceptance life insurance
  • Personal accident (with accidental death)

It’s important to make sure that you’ve got some cover rather than nothing and a lot of these products are cheaper than standard life insurance.

If you’re confused about getting life insurance and don’t know what to do then you can contact one of our experts free on 0800 009 6559

Over 55’s turning to Equity Release due to COVID-19 financial stress

Why is Equity Release becoming more popular among over 55’s?

The equity release market has been growing steadily in popularity over the past two decades and increasingly in the past few years. The main reason is that more people are reaching retirement with equity in their properties and not enough pension income.

Even though equity release has been available for over 20 years, it’s still something that not many people know about. If you’ve never heard of the term equity release then you’re not alone and it’s something that is becoming more common in the present economic climate.

In basic terms, equity release is also known as a lifetime mortgage which is a loan secured against your home, which only needs to be repaid when you pass away, or move in to permanent care. In recent years the rates for equity release have dropped significantly, this is due to an increase in popularity and a more competitive equity release lending marketplace.

Some of the main developments which have made equity release much more popular are; negative equity guarantees, more flexibility and product options to choose from, and far lower competitive rates. Currently there are also a number of ways to take out an equity release loan to suit each borrowers needs and situation.

Equity release has also become more heavily regulated thanks to the Equity Release Council and Financial Conduct Authority (FCA). Financial advisers are also now required to hold a specific qualification to be able to advise customers about this product. This means that customers are now protected much more than they ever have been in past.

What do people use Equity Release for?

In the current difficult economic climate, many borrowers are using the funds from equity release to help their families by gifting them money. Traditionally the loans have been used for home improvements, or lifestyle choices such as a dream holiday.

Currently we’re seeing an increasing demand from customers who simply want to support their children or families. The Coronavirus pandemic has caused people to have to dramatically review their financial circumstances. Providing financial support to loved ones has been a big talking point.

Why should I consider Equity Release?

You could be able to provide financial support to your family or better fund your retirement without having to downsize or take on extra debt. A lifetime mortgage allows you to release tax-free cash from your home without added stress or expense of moving home or having to make monthly repayments.

People have also been concerned in the past about leaving their family with a debt if they pass away. The modern equity release loans mean that this is not possible and you can also secure a legacy to leave your family as part of their inheritance.

What about if I have an interest-only mortgage and I’m over 55?

There is also a growing situation where around 40% of mortgage borrowers over the age of 55 have an interest-only mortgage which is due to end before 2025, and they have no funds available to repay the debt. This equates to approximately 60,000 home owners over 55 in the UK alone.

Being able to repay that amount without moving home and downsizing has now become possible with equity release. It’s also possible to take out an equity release loan with no monthly repayments, allowing you to enjoy your retirement without the financial worry.

For more information about equity release, call our qualified expert Matthew Jones on 0800 009 6559.

The complete guide to Mental Health Conditions and life cover

How have things changed for people with mental health who want life insurance?

Author: Daniel Sharpe-Szunko

We’re often asked to find life insurance by people who suffer from mental illness. We appreciate that it’s very difficult to have to share very personal information about your mental health with someone you don’t know. It’s even worse if the person that you’re speaking to doesn’t understand you.

Mental health is one of the hottest topics in the medical world today, which also applies to life insurance. It’s got to be one of the most difficult subjects because of the numerous stigmas around mental health. Another possible problem is that there are no specific symptoms for mental health so it’s difficult to assess.

What’s different about a mental health life insurance expert?

iam|INSURED is a life insurance expert dedicated to helping people with mental health issues and other medical conditions. Over the past 20 years, our team of advisers has helped thousands of people to get the protection they need for their families.

How has life insurance changed for mental health?

We think this is very important to explain, simply because of how far things have improved over the past 20 years. There’s probably a number of key points to consider when looking at how things have moved on for this, such as:

  • People, in general, are more aware of mental health
  • A greater understanding of mental health conditions
  • Less stigma around mental health
  • Treatments have also improved

Over the past 2 decades, we’ve seen major changes in how we talk about mental health and treatment. This group of conditions covers a huge range of different types of mental health-related problems, as well as being linked to many other medical conditions.

When we talk about managing a medical condition such as MS, Diabetes, Cancer, or Heart Disease, it’s often linked to mental health. It seems logical that someone having to manage, monitor, and maintain a medical condition, may also have to cope with Stress or Anxiety.

Previously with mental health and life insurance, it was difficult to understand how that may affect you physically. It’s easier to assess someone physically than mentally simply because of the symptoms and treatments.

Do I need to speak to someone about my mental health to get life cover?

One of the most important issues that we face and our customers face is having to discuss distressing events with us. We appreciate that it’s a very sensitive subject and that it can be extremely disturbing to have to talk about your mental health.

The fact is that in most cases to get the best advice, it’s important to disclose facts about your health. If you’ve had problems with mental health in the past then you may need to talk about that with your adviser.

Some of the questions you might be asked may include:

  • Have you suffered from Stress, Anxiety, Depression, or another mental health issue?
  • Have you ever been admitted to the hospital due to mental health or been treated by a psychiatrist?
  • Have you attempted to take your own life or had suicidal thoughts?
  • Have you intentionally harmed yourself or thought about harming yourself?
  • When did you first have symptoms?
  • Are you waiting for a hospital referral or to be seen by a specialist?

These are just some examples of the types of questions that you might be asked when applying for life cover. As you can see, these questions are quite personal and could be distressing to discuss.

We’ve got a team of experts who understand this and have years of experience, so this is important for us.

Continue…

Warnings over extended mortgage and credit card payment holidays

Warnings over extensions of mortgage and credit card payment holidays

Mortgage payment holidays were released by the government in March 2020 to help people who were financially impacted by COVID-19.

Since the beginning of March, around two million mortgage borrowers have taken advantage of up to three months payment breaks.

As well as this, members of the UK Finance trade association have offered 27 million interest-free overdraft buffers, provided 961,700 deferred payments on credit cards and 688,900 personal loan payments deferred.

In these cases, interest will more than likely continue to build during the deferred period or payment holiday, unless specified by the lender. Customers should carefully consider their options before accepting any such scheme and especially for further deferment.

On average, the payment deferral equates to £755 per month which is the amount of the suspended payment.

It is also suggested by UK Finance that 1 in 6 mortgages has been or is now subject to a payment holiday. This equates to over 1.9 million mortgage payment breaks.

As many borrowers now come to the end of the initial 3 month payment holiday period, lenders will be contacting them to make sure that they are still supported. Mortgage borrowers may now be offered further options which will include:

  • Continued full or partial payment holidays
  • Switch to interest-only temporarily
  • Extend mortgage terms to reduce payments

It has been suggested that mortgage lenders are now able to offer further mortgage payment holidays until the end of October. The reason for the extended payment periods is to assist those still experiencing financial difficulties, such as those still on furlough.

Our advice to people who are considering extending their mortgage payment holiday, is to be very careful. These options have been put in place to assist people who really need it and not to simply ease the pressure for a few months.

Lenders are expected to be more rigorous with their checks on the extended payment holidays. Some will be offering debt counselling as well as other possible alternatives before accepting an application to extend.

You should also be aware that even though your credit rating will not be impacted, your options for future borrowing could reduce. Some lenders are taking a dim view on borrowers who have taken advantage of payment holidays for further borrowing or new mortgage applications.

If you want to know more about mortgages then you can contact our team of qualified iam|MORTGAGES experts on 01244 732899 or visit www.iammortgages.com.