If you take out a mortgage it’s important you take out a comprehensive Mortgage Cover policy that will allow you to fulfil your obligation in the event of accident or illness. A mortgage is associated with the biggest investment you are ever likely to make and so you should take all the precautions necessary in making sure you can maintain payments should an unforeseen health condition arise.

Different companies have different packages and some stand out above others. Endsleigh would seem to qualify in the top three due to the comprehensive nature of its deals and its clear informative website.

The site explains the value of Mortgage Cover as an offshoot of Income Protection. Your mortgage is the biggest payment you are obliged to service and so a good Income Protection scheme will do just that. As with all Endsleigh packages they seem to be flexible and tailored to your needs with features like reduced costs for anyone with some form of employer contribution that will allow them to defer payments from the broker. Income Protection is a form of Mortgage Cover that may be considered more prudent due to its broader scope reflected in features such as extended cover.

Britishinsurance.com is another helpful broker with an informative and simple website and comprehensive thoughtful service. You can get Mortgage Cover plus up to 25% of related expenses such as insurances. You can tailor a policy towards redundancy, accident and sickness or both. You can insure up to 50% of your gross income.

Legal and General get an impressive 5 star Defaqto rating. Premiums are guaranteed to stay fixed and start from just £6 per month. You can receive discounts for yearly payment and terminal illness cover is standard. Also on offer is £40 worth of M&S vouchers.

The internet is a good resource for researching various packages and you may wish to exploit some of the sites mentioned above as some of the best around.

• A loan amount up to £25,000
• repayment schedule between 1 and 7 years
• Competitive rates depending on the amount you borrow
• Online application
• Fast decision
• No arrangement charges
• Option to top up an existing loan online (as much as a maximum of 25,000)
• Optional payment protection insurance

When applying for a Nationwide Loans your personal details will be taken into account such as your credit history and employment status, which will also

determine the loan amount and interest offered.
http://www.nationwide.co.uk/loans/default.htm

Nationwide has mutual status, and is the UKs fourth largest mortgage lender. It is the largest building society in the world with 150 years of experience.

The Nationwide Building Society personal loan offers customers a flexible interest rate system, so youll pay a lower rate of interest for a larger loan.

Unlike most lenders, Nationwide advertises a rate for each loan amount, and every single successful customer gets the interest rate as advertised at the

time.
Nationwide doesnt charge arrangement fees for setting up your loan, and PPI is available in case youre experiencing financial difficulties and need to cover

your payments for a short period.
Nationwide loans are available to UK residents who are between the ages of 18 and 65. Applicants must have regular income. In addition Nationwide requires

that applicants must never have been declared bankrupt, have had a CCJ, defaulted on a credit agreement or been declined for credit in the last 6 months.

Zopa was created by the core team that created Egg.com and is backed by Benchmark Capital who are the people who backed eBay.

Features include:

• Borrow as much as £25,000
• Fantastic rates
• Online application
• No early redemption penalties
• You can choose the rate at which you wish to borrow
• No missed repayment fees
• No middleman, no banks involved

Compare the best deals in unsecured personal loans by UK providers online now.

http://uk.zopa.com/ZopaWeb/public/loans/personal-loan.html#

Zopa is a borrowing and lending exchange as a Zopa member, you can choose to be a borrower or a lender, or even both. If you take out a Zopa Unsecured Loan,

you could be borrowing from a professional, pensioner, student or entrepreneur. Zopa is a well-regulated and secure way to borrow.

Zopa stands for Zone of Possible Agreement and refers to the overlap between the lowest amount a lender is prepared to get for something and the highest

amount the borrower is prepared to pay.

Zopa interest rates are agreed on by its lenders. You will pay a fee of 0.5% of the loan up front, and Zopa will perform a strict credit check. You cannot

borrow from Zopa if you earn less than £25,000 a year, have any CCJs or tons of unsecured debts. You will also find it hard to get a Zopa Personal Loan if

you’ve had trouble making bill payments in the past.

• Loan amounts from 1000 to 25000, in multiples of 250
• Flexible repayment terms from 1 to 5 years and up to 7 years for home repairs
• fixed interest rates
• Your loan does not require you to own a home
• Helpful advice
• Online application
• Optional Repayment Protection Insurance
• Same day transfer of funds for existing Yorkshire Bank clients

Only existing Yorkshire Bank clients can apply online for a Personal Loan as you will need to make repayments from a Yorkshire Bank Account. If you do not

currently hold an account with Yorkshire Bank but would like to apply for a Personal Loan, please call into your nearest branch.

If applying online a response is usually given within one working day of you submitting your application form. If you are a Yorkshire Bank customer, your

loan will be automatically paid into your bank account once your signed loan agreement has been received along with any supporting documentation.

Applicants must be 18 or over. Loans are subject to status and the rate and term at which funds are lent will reflect on Yorkshire Banks assessment of your

personal circumstances, your chosen loan amount and your loan purpose.

http://www.ybonline.co.uk/0,,38864,00.html

A personal loan from the AA lets you enjoy these services:

• Borrow any amount between £1,000 and £25,000
• fixed monthly payment schedule between a 2 to 7 year period
• Your choice of a three month repayment holiday before the 1st payment is due
• Optional AA personal loan protection plan (PPI) covering against unexpected sickness or unemployment
• Secure, prompt and efficient online application

So, you thought the AA only did car insurance or motor finance? We have good news because they offer so much more than that: as well as car loans, they provide personal unsecured loans as well. These can be used for debt consolidation, house repairs, that dream holiday, school costs or anything else you could imagine.

Why delay? Apply for an online quote first to check what the monthly payments would be - rates will vary depending how much of a loan you eventually borrow - which could be any amount between £1,000 and £25,000 - and over how many months you plan to pay it back - options include a period between 1-7 years. Additionally, you can ask about AA Creditcare which can help insure your loan payments in the event of your falling sick or losing your job.

If an AA loan seems to be right for you, simply apply online. It’s fast, easy and straightforward. Once you give your personal details such as your employment status and house information plus your loan requirements you’ll be given an instant quote and be on your way to securing the cash you need now.

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