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  • Buildings insurance covers the cost of repairing damage to the structure of your property. Garages, sheds and fences are covered, as well as fixtures and fittings. Buildings insurance usually covers loss or damage caused by: fire, explosion, storms, floods, earthquakes. This is typically a condition of your mortgage, so not having a policy in place could put your mortgage – and your home – at risk.

  • Contents insurance covers the ‘material possessions’ in your home. These can be things like furniture, TVs, personal belongings and some types of flooring including carpets. Options to insure high value items such as jewellery and art collections may need to be discussed in more detail to ensure adequate cover is in place. Unlike buildings insurance, your mortgage provider won’t insist on you having contents insurance, but we strongly recommend it just in case your home is burgled or there’s a flood or a fire.

  • Specialist Buildings. Many people don’t realise their situation requires specialist property insurance, until they try to buy or renew their policy. It’s only at this point people discover that many insurers don’t want to cover you for one reason or another. We can provide specialist cover for your home if it’s a non-standard property, such as listed buildings, unoccupied properties or if it’s been affected by subsidence or floods.

  • Truly independent, whole of the market advice
  • Access to exclusive rates, products and criteria offering the most competitive rates in the market
  • A personal touch – Bespoke advice tailored to your individual needs
  • Free no obligation initial consultation – our consultants will work around you
  • Dedicated case manager who will work closely with all parties to ensure a smooth and timely process

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*Details submitted through this form are confidential. The information therein is used only to contact you to discuss the areas you've expressed an interest in.

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Contact Us

Call: 0203 963 9900
Email: info@lifetimecapital.co.uk


Your home may be repossessed if you do not keep up repayments on your mortgage.

Our typical fee is £395 for purchases and £195 for remortgages but a fee of up to 1% is payable in some instances. Some commercial mortgages and most buy to let mortgages are not regulated by The Financial Conduct Authority.

Lifetime Capital Ltd (812032) is an appointed representative of New Leaf Distribution Ltd which is authorised and regulated by the Financial Conduct Authority - FCA Number 460421

Lifetime Capital Registered Office: 80 Coleman Street, London, EC2R 5BJ