When we speak to clients about their drive and reason behind wanting to invest in the property market, we always hear the same answer; “to set up a financial future for my family”. 
Ensuring our family have good financial roots when they take over the portfolio is at the forefront of our minds, which is why the portfolios keep growing. But in a time where monthly bills are becoming higher and saving for those ‘rainy days’ are becoming even more difficult, why are we not going the extra mile to ensure that financial safety net via property is there? 
For every pound of debt you have, you should have the corresponding protection in place. It is crucial that you are protecting each and every pound for as long as you need it. What’s the benefit of building a portfolio to hand over to your family if, when they receive the property, they need to sell it just to pay back the outstanding debt? All of the hard work and sacrifice to build that portfolio has been washed away in one transaction to repay the outstanding debt. 
To ensure your family are going to inherit and take over the entire portfolio as you originally planned, it is fundamentally crucial to ensure you have adequate protection in place to cover the outstanding mortgage debt should you pass prior to the mortgage being repaid. 
By setting up life assurance policies, you have peace of mind that when the property is handed down to your family, it is done so debt free and as quickly as possible. Ensuring they are truly benefitting from the profit rather than inheriting the stress and financial worry that comes with property. 
We can assist you to look in to protecting your portfolio via a number of avenues, whether that be income protection to ensure you will continue to earn an income in the event of illness, life assurance to cover the mortgage debt or whole of life policies for additional security. We can look at your live cover to ensure the right amount of protection is in place to cover all of your outstanding debt. 
“Some cover is better than none”, but lets make sure you have adequate cover in place to cover your needs.  
Contact me to discuss this further at kendyl@hdconsultants.net 
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H D Consultants. Contact details here Live Chat webpage here Broker Log In / BrokerCentre here 
Head Office address; 109 Maldon Road, Colchester, Essex CO3 3AX (Administration Centre only) 
Your home may be repossessed if you do not keep up repayments on your mortgage. 
We normally charge a Professional Client Fee for mortgage advice. The amount will depend on your circumstances. A typical fee would be £500. The actual Professional Fee may be more or less than this, and is subject to a full Fact Find discussion and research process. H D Consultants is a trading name of Howard Reuben who are an Appointed Representative of PRIMIS Mortgage Network, a trading name of Personal Touch Financial Services Ltd. Personal Touch Financial Services Ltd is authorised and regulated by the Financial Conduct Authority.. Registered Office: Preston House, 163 High Street, Crowthorne, Berkshire, RG45 7AF. Registered in England & Wales. Company Registration Number 4952586. This site is for UK Consumers only. Website Terms and Conditions click here for our Privacy Policy. GDPR Privacy Policy - click here (PDF download / view) This site contains third party links. By clicking these links you will depart from the H D Consultants' regulated site. H D Consultants nor PRIMIS Mortgage Network is responsible for the accuracy of the information contained within the linked site. The Financial Conduct Authority does not regulate some of the services listed. H D Consultants, mortgage and life insurance advisers, is authorised by the FCA no 403701. Our in house Wills and Trusts Practice is a long standing Member of the Society of Will Writers and Estate Planning Practitioners.  
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