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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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.

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We can support you and help you to make yourself as attractive to banks as possible, ready for your next application!

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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

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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!

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.

Yes, it is possible to get an income protection insurer to agree to cover you, even if you’ve previously been declined. People get declined for different reasons, but it can be common for existing medical conditions to be the root cause. That’s why, if you have a complicated medical history, it’s important to get professional advice before you make any decisions. When the Bank Says No has access to specialist insurers who offer products designed to suit those with pre-existing but which are nonetheless highly competitive. Get in touch and we can get to work!

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.

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!

Whilst you may recover from a future injury or illness within 1 month and be more than ready to return to work, you also may not. In fact, long term sickness and incapacity can go on for 6-18 months or more, and most people only have 1-3 month’s worth of household bills in their savings – the so-called ‘emergency fund’. As a result, if you do get diagnosed with a long term condition, there’s a strong possibility that you may face financial difficulties with only 1 month’s sick pay guaranteed. Income protection insurance can protect you from this risk.

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.


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