Sims Mortgages and Protection

A buy-to-let mortgage is for people who want to buy a property as an investment or rent it out to tenants. You’ll usually need a larger deposit than you would for a mortgage when buying your own home.

A first-time buyer mortgage is primarily for people who haven’t owned a property before buying a property for the first time.

Want to save money on your current mortgage deal? If your fixed term is ending or you want to free up some cash for home improvements or consolidate your debts, then a remortgage might be what you want. A remortgage is when you switch your existing Mortgage to a new deal, you might Switch products and remortgage with the same lender or a different mortgage provider, depending on the best option for you.

Whether you’re buying your first home or moving up the ladder, we help you secure the right deal, navigate the process smoothly, and ensure your home and family are fully protected every step of the way

Home and Contents Insurance protects your property and belongings from unexpected events like fire, theft, flooding, or accidental damage. Building insurance covers the structure of your home, while contents insurance protects the things inside it—like furniture, electronics, and personal items. Whether you own or rent, having the right cover gives you peace of mind that you’re financially protected if the worst happens.

Income Protection pays out a regular monthly benefit if you’re unable to work due to illness or injury. It helps cover essential bills and living costs while you recover, giving you financial peace of mind.

Life Insurance provides a lump sum payment to your loved ones if you pass away during the policy term. It’s designed to offer financial security by helping cover things like mortgages, debts, and everyday living expenses

Critical Illness Cover pays out a tax-free lump sum if you’re diagnosed with a serious illness listed in the policy, such as cancer, heart attack, or stroke. It’s there to help you focus on recovery without the added stress of money worries

Private Medical Insurance gives you faster access to healthcare and private treatment, often avoiding long NHS waiting times. It can cover consultations, treatments, surgery, and specialist care, depending on the policy level.

Accident Plans offer a financial payout if you suffer a fracture, dislocation, burn, or other specific injuries due to an accident. Some plans also cover hospital stays or time off work, helping with extra costs while you recover.