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Protection
Life, illness and income cover — built around your family.
Your first consultation is free. An adviser will call you back.
How we help
There are different types of insurance covering different aspects of your life. We’ll help make sure your family is protected — with cover tailored to your circumstances and your budget.
Your options
Life assurance pays out a lump sum on your death, providing a financial safety net for your loved ones. As well as covering mortgage repayments, it can help with household bills — protecting your family from money worries at the hardest time.
Our advisers will help you find a life insurance policy tailored to your needs.
Income protection pays a monthly income if you can’t work because of injury or illness, helping you meet your outgoings and avoid mortgage arrears.
Unlike critical illness cover, the conditions covered needn’t be life-threatening — just enough to stop you doing your job. Call us and a qualified adviser will explain the benefits.
It’s easy to think a serious illness won’t happen to you. Critical illness cover pays a lump sum or regular payment on diagnosis of a specified illness during the policy term — helping with treatment, recovery, your mortgage or lost income.
Many homeowners take out life insurance with their mortgage, yet relatively few take critical illness cover, despite being more likely to need it.
Speak to an expert
Our advisers are experienced in a wide range of clients, needs and property types — so you can be confident of quality service and sound advice.
Why Energise Mortgages?
Your home may be repossessed if you do not keep up repayments on your mortgage.
Keep exploring
Keep your home safe if illness, redundancy or the unthinkable happens.
Clear the mortgage and replace the income your family relies on.
A lump sum on diagnosis, so you can focus on getting better.
Meet the adviser
There’s more to me than just mortgages. I also have a love for the countryside and a unique venture — my alpaca farm. Nestled in the countryside near York, my alpacas are not just my furry friends, but also a testament to my dedication to diverse interests.
Alpacas, much like mortgages, require careful attention, understanding and a keen eye for detail. Just as I meticulously evaluate mortgage options, I apply the same diligence to caring for my herd — a blend of financial acumen and agricultural expertise that sets me apart.
As seen in
Google reviews
“I had a fantastic experience with Steven as my mortgage broker. He was professional, knowledgeable and incredibly helpful throughout the whole process.”
Arnaldo KB
Google review · August 2026
“Steven gets it. He’s been round the block and knows all the things you hire a mortgage adviser for. It’s a no-brainer — save yourself time, money and effort.”
Matt Chappell
Google review · August 2026
“Working with Steven was easily the best decision we made during our home-buying journey. As first-time buyers, he made the process feel simple.”
Kirsty
Google review · August 2026
Book a free, no-obligation call with a qualified adviser. Plain English, no pressure — cover built around your family and budget.
