If you can’t work, your income stops – but your bills won’t. Income protection insurance replaces part of your earnings if illness or injury prevents you from working, helping you stay on top of your mortgage, utilities, and everyday expenses.
Our specialist income protection for tradespeople ensures that self-employed and high-risk workers get fair, affordable cover without excessive premiums or exclusions.
Convenient options for you.
Having credit issues shouldn’t stop you from buying or remortgaging. We work with lenders offering adverse credit mortgages for self-employed clients, including those with historic CCJs, defaults, or missed payments. We also assist discharged bankrupts or those with past IVAs, as well as clients with low to moderate credit scores.
As a limited company director, your business may be thriving—but your official salary and dividends might not show your full earnings. We work with lenders who consider retained profits with your salary, accept one or two years of accounts, offer flexibility if you’ve taken lower income for tax purposes, and understand how director finances are structured.
If you’re a contractor, many lenders assess income based on your day rate rather than a standard salary—often enabling larger loan amounts. We support IT contractors, construction workers, creative professionals, and more. PAYE umbrella contractors, limited company contractors using gross contract value, and contractor mortgages with bad credit—even with defaults—are all considered.
Check your eligibility and get a customized plan to protect your earnings and support your recovery.
Clear answers to common questions about securing tailored cover for self-employed and trade professionals.
Yes – you choose the deferment period to suit your finances.
Typically, up to 60% of your gross earnings.
Even if you have an irregular income or work in a hazardous trade,
you may still qualify if:
We’ll help match you with the right lender for your situation
Specialist cover that replaces your income if illness or injury stops you working, keeping your finances secure until you’re back on your feet.
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