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A Guide to Protection

We give full advice and recommendation on protection products as well as mortgages and we’ll scan through different providers to make sure you have the best protection for you. This is one of the important things to consider when getting a mortgage because this is what will keep a roof over you and your families heads when you’re going through tough times!

Protection can be much more complicated than the mortgage because there are so many different moving parts. It’s also completely unique to each individual because we take into consideration hundreds of different factors when making our recommendations such as sick pay, death in service, existing insurance policies, etc.

The policies are extremely flexible and can start and stop when you want them to and you can choose how much cover you’d like. You must get advice on these policies as there are many different moving parts that you must consider and you’ll need an expert’s opinion. The last thing you want is to find out your policy doesn’t pay out when you thought it would.

Please call us today to get completely FREE protection advice. Whether you’re taking a mortgage with us or not, we can still help you with the protection.

What is best for me?

Not all these covers will be applicable to you so it’s important that you get advice around your circumstances so that you’re paying for the right cover… and that’s where we come in. Once we’ve spoken with you, we’ll be able to make a detailed assessment on what type of cover you should be looking at whilst making sure we fit it in a budget that suits you. Not only that, but we’ll look across several providers to find the best cover for you and your family.

Life Insurance

Life insurance will pay out a tax free lump sum should you die during the term of the policy (typically this will be matched to the mortgage term). This can be used in any way your family see fit i.e. pay off the mortgage, funeral costs etc. This is so important if you have children or if you’re buying with someone else as it will remove some of the worry and stress from the rest of your family whilst they’re going through an extremely traumatic time.

Critical Illness Cover

Critical Illness insurance will pay out a tax free lump should you be diagnosed with a critical illness during the term of your policy (typically this will be matched to the mortgage term). This can be used to pay the mortgage, pay other debts, seek private medical treatment or just enjoy life with your family…. In short, it’s up to you what you decide to do with the cover. The critical illnesses are defined by a list from the insurance provider before you take out the cover. These illnesses could vary massively so it’s important you get advice on the right policy for you before you decide on a provider.

Income Protection

Income protection is a policy that will pay you a monthly income should your income stop due to any injury or illness. The great thing about this policy is that it doesn’t specify which illnesses or injuries it will pay out on. The only specification is that you’re unable to work due to your illness or injury and let’s face it… That’s when you really need it.

Our Mortgage Products

Read more about the different Mortgage products we can offer. 

First Time Buyers

Buying your first home? Look no further, AL Mortgage Solutions are here to help to make this exciting time as enjoyable as possible for you. 

Mortgages for first time buyers

Moving Home

A stressful time for buyers and sellers, AL Mortgage Solutions take the stress away from the Mortgage aspect of moving home.

Mortgages for moving home

Remortgaging

If you are approaching the end of your fixed term or simply just want to switch your mortgage for the best rate, we can help you.

Remortgaging your home

Buy To Let

Buy to let Mortgages are increasingly popular with investors choosing to buy property rather than saving with low interest bank rates.

Buy to let mortgages

A Personal, hassle free aprocess.

“We know the stress and hassle surrounding buying a new home, retmortgaging your existing home or making your first step onto the property ladder. Our team do everything we can to take that stress away to help you enjoy your new home.

With a personal approach for each of our customers with your own dedicated mortgage broker to answer any of your questions and provide you with the support to ensure a seamless Mortgage application and funding process. “

Alex Leppert

Owner & Mortgage Broker, AL Mortgage Solutions

What our Customers Say

Don’t just take our word for it, read what our fantastic customers have to say about their experience with AL Mortgage Solutions. 


neave brennan
neave brennan
14/05/2024
Such an amazing service and team ! Made a stressful time so relaxing and no question felt too silly to ask ! Would 100% recommend AL MORTAGE 👍🏾
Emma Hanson
Emma Hanson
09/05/2024
Victoria is a wonderful adviser! She really explains everything and has helped me so much. She made sure I have the right life policies in place as other advisers in the past didn’t even bother talking to me about it. Thank you so much Victoria 😊
Shaun Coakley
Shaun Coakley
27/04/2024
Everyone we dealt with was great throughout the process of buying our first house. Explained everything clearly and they were always there to answer any questions, even after the purchase was done. When things started to move fast through the process Alex was happy to give us a phone appointment even though he was abroad on holiday. Couldn't be happier with the service we received and can't recommend them enough!
Charlotte Davis
Charlotte Davis
14/04/2024
Alex and his team are brilliant. Navigated us through 2 of the most challenging years of our lives and as attempted to sell our home and buy a bigger property. We hit hurdle after hurdle with circumstances that were beyond our control but Alex and his team were always the calm we needed when we need to change budget or lend more money. They made the entire process of applying for and getting approved for a mortgage stress free and were also flexible and very patient when we asked questions. Thanks for all you do! Highly recommended. Posting this as we did our house warming this weekend.
Paige Wilson
Paige Wilson
11/03/2024
10/10 service and would 1000% recommend. We contacted Al Mortgage Solutions last year on a whim to get a better understanding of our circumstances. Alex sat down with us and went through everything, we came out of the meeting with no questions unanswered and ready to start looking for our first home. Our offer was accepted three weeks later and we completed 6 months after that. It's been a longer process than we would of liked but Alex and his team have been on hand through out the whole process to answer all of our questions no matter how stupid or small. Alex and the team are simply amazing, I'm sure Beth is was sick of hearing my voice and seeing my name pop up! We honestly couldn't recommend these enough. Thank you all so much! Paige and Paul.
Jake Nuttie
Jake Nuttie
03/11/2023
Excellent service that made re-mortgaging effortless. Alex kept us up to date at all stages and ensure we understood everything, ensuring we got the deal that was right for us and offered us the best value. Sarah arranged life and critical illness cover which again was effortless and now gives the confidence that all aspects are protected. 10/10 fantastic service, would highly recommend.
Alina Dragan
Alina Dragan
11/10/2023
This people are the best. I called them many times , for different reasons, and always I got the best advice, and they helped me at all the time. I recommend them 100% .
Holly Fearon
Holly Fearon
02/09/2023
My partner and I are first time buyers and contacted Alex back in Nov last year after a recommendation from a friend. We had recently moved back from Australia and found out that we had a little one on the way, so buying a house was a huge priority. Having been abroad for 4 years we were told by multiple banks that getting a mortgage would be difficult which is why we contacted Alex. I cannot recommend Alex and his team enough, they where all so helpful and really did their research to find us a lender so we could buy a home for our growing family. Absolutely excellent service and I would highly recommend AL Mortgage solutions for anyone looking to buy a home. Thank you all so much :)
Conor O'Dea
Conor O'Dea
01/09/2023
This is our 3rd mortgage/remortgage now with Alex and the team and as always can’t fault their service. This time round as well Alex stayed on late to get everything over the line for us as the lender announced a rate increase with 12 hours notice. Safe to say Alex got us the cheaper rate boxed, much appreciated as always going that step beyond!!
freshpander man123
freshpander man123
26/07/2023
Excellent service, responsive and friendly