Home insurance
Your home is likely to be your most valuable asset, so the cover on it deserves more than a price comparison.
- Fire, flood, storm and escape of water
- Theft and attempted theft
- Subsidence, heave and landslip
Mortgage and insurance broker, London
Mortgage and insurance advice from a London broker who does the legwork
Whether you are buying your first home, moving, remortgaging or letting a property, we compare the market for you, explain everything in plain English and handle the paperwork. Home, landlord, life and emergency cover arranged alongside.
We compare the market, explain it in plain English and handle the paperwork.
- Access to 80+ lenders
- Broker fees from £495, agreed before you commit
- Based in London, advising across the UK
Mortgages
Whatever stage you are at, the process is the same: we do the legwork
First home, next home, a better rate, or a property to let. Pick the one that sounds like you.
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First-time buyer
With so much to weigh up, the first step is the hard one. We walk you through the whole process, from working out what you can afford to collecting the keys.
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Moving home
Moving is exciting and the mortgage is the part most people dread. Even if you have done it before, knowing every option matters.
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Remortgage
Switching to a better deal, coming to the end of your current term, or borrowing against your home. A remortgage can do all three, and timing is everything.
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Buy-to-let
A buy-to-let mortgage is for a property you intend to rent out rather than live in. Lenders assess it on the rent it will earn as well as on you.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Our mortgage broker fee starts from £495. The exact fee depends on your circumstances and is agreed with you before you commit to anything.
Insurance
Cover for the home, the people in it, and the rent it earns
Landlord insurance
A standard home policy may not respond when a tenant is living in the property. Landlord insurance is written for the risks of letting.
- Fire, flood, storm, escape of water and subsidence
- Malicious damage by tenants
- Loss of rent while the property cannot be let
Life and protection
Think about what your family would need to keep their standard of living if you were not there, or could not work. Protection is how you put that in place.
- A lump sum on death during the policy term
- A lump sum on diagnosis of a listed critical illness
- A monthly income, typically fifty to seventy per cent of earnings, while you cannot work
Home cover
Add-ons that keep the house running
Each of these attaches to a home or landlord policy arranged through us: one insurer, one renewal, one helpline.
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Add-on cover
Plumbing and drainage
Keep the household running when a pipe bursts or a drain blocks. An engineer, a helpline that answers at any hour, and no repair bill to find.
- Burst pipes
- Blocked drains
- Blocked toilets
- Reinstatement, trace and access costs
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Add-on cover
Boiler and heating
A boiler that fails in January is more than uncomfortable. This cover gets a Gas Safe engineer to you and pays for the repair.
- Complete loss of heating
- Complete loss of hot water
- A UK network of Gas Safe registered engineers
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Add-on cover
Complete cover
Boiler, heating, plumbing, drainage, electrics and pests in one policy, so whatever fails, one call sorts it.
- Plumbing and drainage, including blocked and burst pipes
- Boiler breakdown and central heating
- Annual boiler service
- Electrical emergencies
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From £5.50 a month
Appliance cover
White goods break at the worst moment. Appliance cover pays for the repair or replacement, with no limit on the number of call-outs.
- Oven or hob
- Hood or extractor
- Dishwasher
- Fridge freezer
How it works
Four steps, one adviser, no chasing on your part
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Tell us about you
A call of around thirty minutes about your plans, income and timescale. No forms yet and no credit search.
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We compare the market
We approach lenders and insurers on your behalf and come back with clear recommendations and the reasons behind them.
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You choose, we apply
Once you decide, we prepare and submit everything and chase the lender, the valuer and your solicitor for you.
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Keys, with cover in place
Your offer arrives, the home and the people in it are protected, and you have one person to call. Usually within one working day of first contact for the first step.
Good to know
Questions people ask
Does the first conversation cost anything?
No. The first call is free and there is no obligation. Our broker fee, from £495, only applies if you go ahead with a mortgage we arrange, and we agree the exact figure with you before that.
Are you independent?
WeSure is an appointed representative of Beneficial Ltd, which is authorised and regulated by the Financial Conduct Authority. We are not tied to one lender or insurer: we search a wide panel on your behalf and tell you why we recommend what we recommend.
Can you help if I have been turned down elsewhere?
Often, yes. Being declined by one lender does not mean every lender will say no; criteria vary widely on income type, credit history and property. Tell us what happened and we will say honestly whether we think we can help.
How quickly can I get an agreement in principle?
Usually within a day or two of the first call, once we have your details. It shows estate agents you are serious and it does not commit you to anything.
Tell us what you are looking for and we will come back within one working day
A short form, no obligation, and nothing is applied for until you say so.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Our mortgage broker fee starts from £495. The exact fee depends on your circumstances and is agreed with you before you commit to anything.