Pioneer Mortgage and Protection Limited

Pioneer Mortgage and Protection Limited Mortgages can seem daunting and hard to talk about, you need advice that is unbiased & honest. With

If you’re self-employed, having the right protection in place is essential. Unlike employees, you won’t receive Statutor...
03/06/2026

If you’re self-employed, having the right protection in place is essential. Unlike employees, you won’t receive Statutory Sick Pay if illness or injury prevents you from working, which could leave you financially exposed.

Research shows that self-employed people take 35% fewer sick days than employed workers, often because they are worried about losing income. However, working through illness can be damaging in the long run, making income protection an important safety net.

Income protection insurance typically pays 50-70% of your income if you are unable to work due to illness or injury. It provides regular monthly payments until you return to work, retire or reach the end of the policy term. It can cover a wide range of conditions, including both physical and mental health issues.

Policies include a deferred period before payments begin. As self-employed individuals do not qualify for Statutory Sick Pay, many choose a shorter deferred period to receive support sooner, although this can increase premiums.

Your occupation can also affect your cover. Higher-risk roles may require additional underwriting, so it’s important to provide accurate information when applying.

If you run your own limited company, executive income protection may also be worth considering. This type of policy is arranged through the business and can protect directors or employees if they are unable to work due to illness or injury. Get in touch to discuss the options available.

We can help you source an income protection policy that is tailored to your unique circumstances.

As with all insurance policies, conditions and exclusions will apply.

Source:
https://www.reassured.co.uk/income-protection/income-protection-for-self-employed/ #:~:text=Self%2Demployed%20income%20protection%20%5BQuick,to%20meet%20your%20unique%20needs

👋 Meet Damian Galuszka – Mortgage and Protection AdvisorWith over 18 years of experience in financial services, Damian b...
01/06/2026

👋 Meet Damian Galuszka – Mortgage and Protection Advisor

With over 18 years of experience in financial services, Damian brings expert knowledge and a genuinely client-focused approach to every case. Whether you’re buying your first home, remortgaging, moving house or expanding your property portfolio, Damian is there to guide you through the process with clear and honest advice.

He also specialises in buy-to-let mortgages, including limited company structures, helping property investors navigate their options with confidence.

Fluent in both English and Polish, Damian is proud to support clients in the language they feel most comfortable with 💬

A survey has found that many homeowners don’t review their protection cover when remortgaging. Only 18.6% of respondents...
30/05/2026

A survey has found that many homeowners don’t review their protection cover when remortgaging.

Only 18.6% of respondents said they properly reviewed their protection when they remortgaged, while 64% did a cursory check and 17% did not review their cover at all. This suggests that many UK homeowners may have policies that no longer meet their needs due to changes in income, lifestyle and family circumstances. As a result, some households could find themselves in a vulnerable financial position if they were affected by death or illness.

Take a moment to review your cover now – it could be a vital safety net in the future.

As with all insurance policies, conditions and exclusions will apply. You may have to pay and early repayment charge to your existing lender if you remortgage.

Source:
https://www.vitality.co.uk/media/speculation-of-spring-rate-cuts-drives-expected-remortgage-surge/

👋 Meet Gail Bailey – Director & Mortgage and Protection SpecialistWith over 20 years of experience, Gail’s mission is si...
29/05/2026

👋 Meet Gail Bailey – Director & Mortgage and Protection Specialist

With over 20 years of experience, Gail’s mission is simple — to make the mortgage journey feel clear, stress-free and approachable from start to finish.

From helping clients secure the right mortgage to making sure they have the protection in place to safeguard their home and family, Gail takes the time to guide people properly every step of the way.

Knowledgeable, supportive and always focused on doing what’s right for her clients 💬

Insurers paid out a record amount in property claims last year, but the average cost of home insurance declined in Q4. A...
27/05/2026

Insurers paid out a record amount in property claims last year, but the average cost of home insurance declined in Q4.

According to the ABI, claims payouts reached new highs last year, costing home insurers a total of £6.1bn. This is mainly due to a rise in storm and flood damage, with weather-related claims accounting for £1.2bn of payouts in 2025 (14% more than the previous year). Within this, storm payouts totalled £244m, up 32% annually, with the average payout reaching £2,450.

Despite this, the average price of home insurance declined by just over 1% in the final quarter of 2025. While this will be a relief for policyholders, premiums are still an average of £29 higher than in Q4 2023.

As with all insurance policies, conditions and exclusions will apply.

Source:
https://www.which.co.uk/news/article/whats-happening-to-home-insurance-premiums-a3EjJ5O6GVvP

👋 Meet Paul Burns – Director & Mortgage and Protection SpecialistWith over 30 years of experience in financial services,...
25/05/2026

👋 Meet Paul Burns – Director & Mortgage and Protection Specialist

With over 30 years of experience in financial services, Paul brings a huge depth of knowledge across mortgages, protection and wider financial advice. Having worked across many of the High Street Banks, he understands that no two clients are the same.

For Paul, great advice starts with understanding people properly, building trust and finding solutions that genuinely fit their needs. It’s why so many clients return year after year — and recommend their friends and family too.

Experienced, approachable and always focused on the client 💬

Many UK homeowners don’t have the correct level of insurance, regardless of their property’s value.According to the rese...
23/05/2026

Many UK homeowners don’t have the correct level of insurance, regardless of their property’s value.

According to the research, most Brits are either paying too much or too little for their home insurance. Only 7% of UK properties are accurately insured, while 70% are underinsured and 23% are overinsured.

The level of cover you need is based on the hypothetical cost of completely rebuilding your home if it was completely damaged. This helps the insurer to ascertain the maximum amount they would need to payout in the worst-case scenario. The rebuild cost can often be confused with the sale price of your home, but these are very different figures - for insurance purposes, you need to consider the price of labour, materials and other associated costs.

Owning a lower-value home does not necessarily mean it’s easier to insure accurately. These properties are the most likely to be uninsured. This shortfall is often because homeowners rely on rough estimates of the rebuild costs, rather than obtaining a professional assessment. Over time, rising construction costs could cause this shortfall to widen further, increasing the amount that the policyholder has to pay in the event of a claim.

At the other end of the market, overinsurance becomes more common as sums insured rise. Among properties insured for between £5m and £10m, 49% are overinsured, while 41% are uninsured. As property values rise, homeowners become more cautious about underinsurance andoverestimate rebuild costs. While this approach may feel safer, it can lead to unnecessarily high premiums.

Johnny Thomson, Head of Strategic Planning at RebuildCostASSESSEMENT.com, commented, “These findings reinforce the need for regular rebuild cost assessments at every level of property value. Accurate valuations remove uncertainty, support better decisions, and help ensure claims outcomes meet expectations.”

Get in touch with us to review your level of cover.

As with all insurance policies, conditions and exclusions will apply.

Sources:
https://www.rebuildcostassessment.com/post/why-insurance-accuracy-fails-at-every-level-of-property-value

🏡 Renting is often the first step on the property journey and for many, it’s the right option for flexibility, freedom a...
22/05/2026

🏡 Renting is often the first step on the property journey and for many, it’s the right option for flexibility, freedom and independence.

But if you’re renting and wondering whether buying could be possible sooner than you think, it’s worth exploring your options 💬

You don’t always need a huge deposit to get onto the property ladder, and speaking to a mortgage adviser could open doors you didn’t realise were there.

Whether you’re happy renting or thinking about your next move, understanding your options is always a good place to start.

Moving home or renovating in 2026? Make sure you’re adequately covered.Before you move, it’s important to check the deta...
20/05/2026

Moving home or renovating in 2026? Make sure you’re adequately covered.

Before you move, it’s important to check the details of your home contents policy, as exclusions may apply to the removals process. For example, some insurers only cover belongings packed and moved by professionals. Additionally, your home insurance won’t automatically be applicable at your new address, so you will likely need to transfer the policy over (if allowed).

Similarly, if you’re renovating your current home, it’s important to review your existing policies. If your project involves structural changes or new fixtures, you will likely need an extra layer of cover to ensure you’re sufficiently protected if something goes wrong.

As with all insurance policies, conditions and exclusions will apply.

Sources:
https://www.moneysavingexpert.com/insurance/home-insurance/moving-to-new-home/ #:~:text=You'll%20need%20to%20have,for%20longer%20than%2030%20days

https://www.renovationplan.co.uk/news-and-insight/why-you-need-renovation-insurance-cover-in-2026/

🏠 The Renters’ Rights Act brings some of the biggest changes to the rental market in years.Key updates include: ✔️ The e...
18/05/2026

🏠 The Renters’ Rights Act brings some of the biggest changes to the rental market in years.

Key updates include:
✔️ The end of Section 21 ‘no fault’ evictions
✔️ Limits on rent increases
✔️ An end to rental bidding wars
✔️ More rights for tenants requesting pets
✔️ Rolling tenancies replacing fixed-term agreements

Whether you’re a landlord, tenant or considering a buy-to-let investment, these changes could have a big impact on the market moving forward.

Now more than ever, it’s important to stay informed and understand how these reforms may affect your plans.

📩 Speak to one of our team today: [email protected]

Address

17 Duke Street
Liverpool
L374AN

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Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+441704338899

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