Our Customers rate us 4.6 out of 5
Trusted income protection insurance advisors.
Struggling to find the cover you need? Our team of specialist income protection insurance advisors can help, even if you’ve already been declined.
Your home may be repossessed if you do not keep up repayments on your mortgage. When The Bank Says No is a mortgage broker, and not a lender.
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Bridging Finance Brokers
When you need to bridge a gap in your finances, we are there to find suitable finance options for you.
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Bad Credit Mortgages
When your credit record isn’t the best and you’re struggling to find a lender, we can step in so you don’t miss out on your dream home.
Buy-To-Let
Need help navigating buy-to-let mortgages? With our help we’ll make it easier than you think, even if you have bad credit.
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Remortgaging
Remortgaging doesn’t have to be tricky, whether you are looking to remortgage to consolidate debt, buy another property or finance home improvements.
Finding The Best Income Protection Deal For Your Circumstances
If you’ve been rejected for income protection, you’ll no doubt be concerned about meeting your mortgage payments if you fall seriously ill. Don’t worry! There is cover out there for you, and an insurer sympathetic to your situation and medical history. Though many insurers don’t like to provide cover for those with pre-existing conditions, this is not true across the board. Our team of qualified insurance advisors will endeavour to connect you to the right policy the second time around, safeguarding your finances against the unknown.
Safeguarding your salary.
Thinking about becoming seriously ill can be hard, but protecting your household against the unknown is vital. We understand you may be concerned about getting a good deal, particularly if you have pre-existing conditions. Don’t worry; our friendly team are here to guide you through the process. We’ll help you secure an insurance product for you that provides suitable cover for your medical history, without forcing you to fork out on hefty premiums. You’re in good hands.
Let's get the ball rolling.
We can support you and help you to make yourself as attractive to banks as possible, ready for your next application!
Check your credit file.
In order for us to assess your credit history and suitability for different mortgage products, you will need to check your file.
Turning Your Nightmares Into Dreams
When you think you’ve hit that brick wall and have all but given up hope of finding mortgage finance, When the Bank Says No are here to turn your ‘No’ into a ‘Yes’. We have access to a range of specialist lenders who are willing to help those that the High Street banks just won’t touch. Get in touch today and see how we can turn your dreams into a reality.
Frequently Asked Questions
What is income protection?
Income protection is a type of insurance policy that supports you in the event of a serious illness. If you are medically signed off work due to an illness or accident, your insurance policy will pay out a monthly sum to help you cover day-to-day expenses and things like mortgage repayments. Looking to get set up with the right policy for your needs? Talk to our qualified insurance advisors today and we can begin the search for your cover!
What are the benefits of income protection insurance?
The monthly pay out can help you recover from your injury or illness without worrying about your household finances. From mortgage repayments to utility bills, income protection insurance can help you meet your ongoing financial commitments and cover daily expenses while you are out of work. With mortgages and other debts, in particular, falling behind on payments can lead to long term implications for your credit file and future borrowing ability. That’s why, for many people, having this safety net is integral to their peace of mind.
Can I get income protection if I have been declined in the past?
Do I need income protection if I’m sure my employer will pay me while I’m ill?
No one knows what the future may bring, and no one knows how long your condition may last. If you end up being off work for longer than you expected, you may find your contracted sick pay runs out. If this happens, you could end up struggling to manage your money and meet financial commitments, posing serious risks to your home and credit file if you have a mortgage or other debts.
Why do I need income protection now if I’m healthy and well?
It’s much easier to take out income protection insurance while you’re fit and healthy. Most insurers shy away from covering pre-existing medical conditions, or only do so with pricey premiums. The point of income protection insurance is to protect yourself from the unforeseen illnesses and injuries you may have in the future. That’s why it’s usually a good idea to consider taking out a policy, even if you don’t anticipate being off work any time soon. Looking to explore your options? Talk to our advisors today!
I get 1 month’s sick pay at work. Why do I need income protection?
Expert advice for declined income protection.
When the Bank Says No is a team of specialist income protection insurance advisors, operating across the UK. We’ve helped clients with complex medical histories and lifestyle factors achieve the right income cover for their needs. If you’ve been declined insurance after disclosing current or previous medical issues, our team of professional insurance brokers will help you identify better options for your circumstances and achieve total peace of mind.
What Our customers say about us
Our Customers rank us 4.6 out of 5
We feel so fortunate to have found WTBSN
We found WTBSN after landing in a really tricky situation. We were out of term on our current mortgage and our existing broker had exhausted all options to re-mortgage due to the complex nature of our holiday let property (Grade II listed, timber frame construction and above commercial). Working under considerable time pressure due to the financial penalties being imposed by the existing lender, Brian was relentless in his search for a solution that would allow us to refinance a property that was on face value mortgageable. Thankfully, he didn’t give up and nine months later, we completed on the re-finance. We feel so fortunate to have found WTBSN and would like to thank Brian and the team sincerely for going the extra mile. We couldn’t have done it without you!
Rachel Reeves
Simply the best
I will never use another mortgage broker in all my time In property, these guys are the best at communication, customer service and keeping you informed. They are a level above every other broker I’ve come across and they actually get things done.
Emma, Samantha & Ashley have been fantastic in assisting me with 2 mortgages now and they’re superb at what they do. I wouldn’t hesitate to reccommend them to anybody out there who needs a mortgage sorting.
John Burton
I have been dealing with ben
I have been dealing with Ben @ When The Bank Says No. He has been great!! Professional, kept us up to date the whole way and made the entire process so simple. I would most definitely use him again and have already passed his details on to a family member. Thank you for all your help.
Elise
Thank you for your amazing support
Thank you for your amazing support and service during a really difficult time in my life. 5* is just not enough to demonstrate the level of support received. These guys go above and beyond. A personal service, with kindness and compassion. I highly recommend. If you’re struggling with your mortgage, then have a chat to this team. I cannot thank them enough for everything they have done.
Nabila Fowles-Gutierrez
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