Inca Financial - Property Finance

You insured the house.
But the person that actually pays the mortgage?
That’s usually the part left unprotected.

It’s a more common problem than people think.

A lot of homeowners have buildings insurance in place…
But far fewer have anything protecting their income. Their health. Their family if the worst happens.

And yet, those are the things that actually keep the mortgage running.
Your home may be repossessed if you do not keep up with repayments on your mortgage.

Is this a pressure you want to face when the unexpected happens?

Protection isn’t just one thing.
It can cover things like being off work with an injury, needing time out for your mental health, or losing the main household income if something unexpected happens.

All designed around different “what if” scenarios.

Most people don’t ignore it on purpose, it just gets overlooked in the process or dismissed as “It won’t happen to me”.

If you’ve got a mortgage (or you’re getting one), it’s worth understanding what would actually happen if life didn’t go to plan.
And you’re part of the unfortunate percentage who does end up needing to use it.

At Inca Financial, we offer a wide range of protection services including life cover, critical illness cover and income protection tailored to your situation.
Your budget.
Your needs.

Comment “protection” and we will work out what plan is best for you.

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This post is for general information only and does not constitute financial advice.

“A £10 Klarna miss just killed your mortgage.”

That’s the kind of line doing the rounds right now.

And it’s designed to make people panic.

Here’s the reality.

It’s not the £10.

It’s the footprint.

A missed ‘Buy Now Pay Later’ payment.
An old account still showing a black mark
A bill from years ago that never quite cleared.

On their own, they’re small.

‘It will be ok’ I hear you say

But lenders look at behaviour.

Consistency.
Reliability.
Patterns over time.

That’s what drives decisions.

And this is where people get caught out.

“It’s only £10.”
“It was ages ago.”
“It won’t matter.”

Sometimes it doesn’t.

Sometimes it does.

Better to know before you apply.

Because once you understand your position…

You can plan it properly.
Place it correctly.
Avoid problems.

Have you actually checked what’s sitting on your file?

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