Our Customers rate us 4.6 out of 5
Specialist buildings & contents insurance advisors.
Need buildings insurance but have an unusual property? Whatever the risks facing your new home, we’ll help you protect it from the unknown.
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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When The Bank Says No is working closely with leading providers...
Useful links to begin your Mortgage Journey
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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 Buildings And Contents Insurance Deal For Your Circumstances
If you’re purchasing a property using a mortgage, the chances are you will need buildings insurance. This is often part of your mortgage conditions. Finding the right policy can be frustrating, particularly if you’re facing pricey premiums and complicated terms due to the nature of your property. When the Bank Says No is a team of qualified insurance advisors who can help make sure you have the best product available to your situation, and the right cover for your needs. We have access to specialist insurers who will be happy to cover unusual property types, flood risk areas, and those who have claimed previously. With us, you can protect your home with confidence!
Helping you reinforce.
Failing to reinforce your property against the unknown can leave you financially vulnerable, but the insurance market can be complex and confusing. Don’t fret; our team of qualified insurance advisors understand all the ins and outs of buildings and contents insurance and are here to guide you through the process. We’ll make sure your property is fully protected with the most suitable policy, so you can move in without fearing the future.
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.
What is buildings and contents insurance?
In a nutshell, buildings and contents insurance protects your property and the things in it from damage or theft. If your home or possessions are damaged by fire, extreme weather, water or something else, the insurance will pay out, enabling you to fund the necessary repairs. Likewise, if your valuable are stolen, the insurance will pay for their replacement. Looking for a building and contents product that suits you? We’re here to take the hassle of the search off your shoulders! Contact our team today!
Why do I need buildings insurance when taking out a mortgage?
Buildings insurance is normally a condition of any mortgage. This is because the lender will want to know that the property securing their loan is safe from risk. If your property is damaged by fire or weather and you don’t have cover, you will face repair or rebuild costs yourself. This may mean you can no longer afford to keep up with mortgage repayments. If you fail to meet repayments, the repossession and sale of the property will enable the lender to recoup their losses. But damage is undoubtably going to have an impact on its value, making this protection uncertain from the lender’s perspective.
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.
Do I have to insure the contents of my home for my mortgage conditions?
No, contents insurance is optional when it comes to mortgage conditions, but it’s still worth considering. Often, the same insurer can provide multi discounts, making it more affordable than you think to get comprehensive cover. Think about it carefully; if all your valuables were damaged or stolen, could you afford to replace them? For many people, this would put serious pressure on their finances. Our insurance specialists can go through the options available and identify a policy that suits your needs – get in touch with us!
Frequently Asked Questions
I’m purchasing a Buy to Let; do I need contents insurance?
No. Whilst you will need buildings insurance, the contents of the building are the responsibility of the tenant. However, that’s not to say it isn’t a good idea to get contents insurance or a combined, multi discount policy. Doing so may provide you with greater protection as a landlord if the tenant cannot afford to replace your items. Talk to us today about the best option for your Buy to Let!
I’ve been declined insurance due to the type of property. What do I do?
How do I know how much buildings cover I need?
Expert buildings & contents insurance advice.
Home insurance is often required by mortgage lenders, but is also just a sensible policy to have. When the Bank Says No has spent years helping prospective homeowners all over the country find the most suitable protection for their property and situation. Highly qualified and dedicated to no-nonsense advice, we’ll help you achieve approval for your buildings and contents insurance, even accessing specialist lenders from our trusted network if necessary.
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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