Duncan Insurance & Mortgage Services Ltd

General information

Duncan Insurance & Mortgages Services Ltd are a family run business with over 60 years of experience of dealing with clients nationwide. We offer a personal service in terms of providing assistance for your INSURANCE needs and first time buyers to customers who have had difficulty in previously getting mortgages. We are proud that the majority of our customers come through referrals and ‘word of mouth’.

Our service promise:

We are committed to providing the highest level of service at all times and to all of our clients. We recognise that your mortgage is one of the largest investments you will ever make and we will provide you with service and guidance that best suits your needs. With our personal experience together with using one of the most advanced sourcing system in the UK.

From buying your first home to buying a bigger home, renovating, or looking to consolidate some of your high interest rate loan and credit card accounts, we're here to help you save money on the perfect mortgage.

• MORTGAGES – A variety of exclusive deals are available from 1.99%. Including Self certification Buy to Let & Overseas.

We offer the following different types of INSURANCE:

• LIFE /SERIOUS ILLNESS/ CRITICAL ILLNESS - A lump sum payment to cover up to 160 Serious illnesses.

• BUSINESS INCOME PROTECTION - To allow a self employed person to continue trading in the event of short or long term illness or as a result of an accident. It is known as Executive BIP and in most cases the benefit will allow you to pay for a replacement worker and your living expenses, subject to certain conditions. Furthermore it can be offset as a business expense.

• PERSONAL INCOME REPLACEMENT - This is one of the most important types of insurance, especially now that new government reforms have come into force in October 2008,resulting in a lowering of state benefits so that the public are more self dependent and not rely so much on the welfare state. It provides a TAX FREE income for the length of your mortgage (though having a mortgage is not compulsory), or, until you retire. If you have an employer’s scheme the benefit would continue after that terminates.

• WHOLE OF LIFE - Cover continues for remainder of your life after your mortgage cover terminates.

• FAMILY INCOME BENEFIT - A monthly life insurance benefit to complement your mortgage protection whilst you have a dependent family.

• A TRUST SERVICE is Also available.

• BUILDINGS & CONTENTS

• PRIVATE MEDICAL INSURANCE.

Also:

• DEBT MANAGEMENT (INC IVA’s). PUBLIC LIABILITY

There has never been a more important time to consider your finances, and if you’d like a FREE review using our comparison system we’d be only too pleased to be of continued service. You can contact us, anytime day, or evening (Mon- Sat) by telephone, text or email. If you have access to a computer all information and comparative illustrations are available online from us, without the need for a visit, if that’s more convenient.
As an existing client we’d be happy to pay you a “loyalty payment”, and also a referral fee for any friends or family you may recommend.