Based on your results, you may wish to explore:
- Income Protection
Provides a regular monthly income if you’re unable to work.
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No business is immune to risk. The death or serious illness of a director, shareholder, or key employee can create financial strain, uncertainty, and even disputes over ownership. Our Business Protection policies are designed to:
We help you assess where vulnerabilities exist and structure cover appropriately — aligned with your company’s legal and financial arrangements.
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Full review of your company structure and ownership arrangements.
Assessment of existing shareholder or partnership agreements.
Receive a clear explanation of tax-efficient protection options.
Coordination with your accountant or solicitor where appropriate.
End-to-end support through application and policy implementation.
Help arranging cover quickly so you can focus on running your company.
Every business is structured differently, which means protection needs to be tailored to your ownership model, financial commitments and long-term plans. Business Protection is not a single policy, but a range of solutions designed to protect profits, ownership and key individuals within the company.
Below are the core protection options most commonly used by SMEs to safeguard their business and maintain stability if the unexpected happens.
Provides a lump sum to the business if a key employee or director dies or is diagnosed with a specified serious illness. This can help cover lost profits, repay debts, or fund recruitment of a replacement.
Ensures remaining shareholders or partners can buy the shares of a deceased or critically ill co-owner, helping maintain control and stability within the business.
A tax-efficient way for businesses to provide life cover for directors or employees, often used by small companies as an alternative to individual life insurance.
Provides funds to repay outstanding business loans if a guarantor or key individual dies or becomes critically ill, reducing financial pressure on the company.
The death or serious illness of a director, shareholder, or key employee can create immediate financial and operational challenges. Without a clear protection structure in place, businesses may face uncertainty around ownership, cash flow, and decision-making. Business Protection provides financial certainty at a time when stability is critical.
Key Areas of Support:
Insurance Protection Adviser
“Many business owners assume nothing will change if something happens to them or a fellow director — but without the right agreements and protection in place, it can create uncertainty very quickly. Shares may pass outside the business, funding may be difficult to secure, and decision-making can become complicated at the worst possible time.
Business Protection isn’t just about taking out a policy — it’s about structuring it correctly alongside shareholder agreements and company finances. When it’s done properly, it gives everyone involved clarity, control and confidence that the business can continue smoothly.”
Full review of your company structure and ownership arrangements.
Assessment of existing shareholder or partnership agreements.
Receive a clear explanation of tax-efficient protection options.
Coordination with your accountant or solicitor where appropriate.
End-to-end support through application and policy implementation.
Help arranging cover quickly so you can focus on running your company.
Business protection policies are designed to provide financial support to a business in the event of death or serious illness, subject to the terms of each policy.
Cover will lapse if premiums are not maintained, meaning no benefit will be payable.
Policies such as Key Person, Shareholder/Partnership Protection and Business Loan Protection only pay out on specific events defined by the insurer, and not all circumstances or conditions will be covered.
Relevant Life Policies provide life cover only and pay out on death within the policy term, with no value if a valid claim is not made.
Any payout is subject to policy terms, conditions and underwriting, and may not fully cover the financial impact on the business.
Policy terms, conditions and exclusions will apply.
Understand the risks of major life events before retirement and the possible financial consequences if your income were affected. This assessment will provide guidance on the appropiate insurance protection to consider.
Likelihood
Likelihood
Likelihood
Likelihood
Based on your results, you may wish to explore:
Provides a regular monthly income if you’re unable to work.
These results are illustrative and based on general statistical data. They are not a quotation or personalised advice. Suitable cover and premiums will depend on your individual circumstances and insurer underwriting. Please speak to a Prudell adviser for tailored guidance.
Explore your options in protecting your mortgage commitment.
This is an indicative estimate only. Results are based on the details you provide and typical market assumptions. Availability, terms, and costs may vary following underwriting. This calculator does not provide advice. For a personalised, FCA-compliant review, speak to Prudell.
How much can you save with a mortgage refinance?
This is for capital + interest mortgages only.
This calculator provides estimates only and does not constitute a mortgage offer or financial advice. Figures are based on the information you provide and assumptions that may change. Your actual mortgage options, interest rate, fees, and savings may differ. Speaking to a Prudell adviser will allow us to assess your circumstances and provide personalised advice.
Find the best deals on the market from over 50 lenders.
Based on your details, here are some suitable mortgage options for you.
Estimated
Monthly Repayment
Estimated
Monthly Repayment
Estimated
Monthly Repayment
Rates shown are indicative and based on current market averages. Actual rates will depend on lender criteria and individual circumstances. To get more information to see the actual products with the named lenders, compare fees properly, and learn which is best for you, get in touch with a Prudell adviser.
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Your mortgage shouldn’t be set and forgotten, many people forget this and end up overpaying. We’ll monitor it for you — and let you know when action is worth taking.
Before buying a property, see how much Stamp Duty is due.
These results should be accurate. Rates last updated on 10.12.25
Get an estimate on how much can you afford to borrow according to lenders.
This is an estimate. Final offers depend on lender criteria, credit profile and verification. Contact Prudell for an FCA-compliant assessment. This calculator uses an income multiple method (common for quick estimates).
Estimate how much you could borrow based on income.
This is an estimate. Final offers depend on lender criteria, credit profile and verification. Contact Prudell for an FCA-compliant assessment. This calculator uses an income multiple method (common for quick estimates). Use the Mortgage Affordability tool for a 'lender-style' check.
Compare repayment, Retirement Interest Only, and lifetime mortgage options to understand your monthly payments, total interest, and longer-term impact. Adjust the figures to explore how different borrowing types could affect your costs over time.
Interest-only mortgages do not repay capital.
These results are for illustration only and are based on the information entered. Actual lender terms, interest rates and compounding methods may differ. Property growth is assumed at 2.5% per year for illustration and is not guaranteed. For personalised advice and precise figures, please speak to a Prudell adviser.
First-time buyer
95
5.00
First-time buyer
90
4.40
First-time buyer
85
4.20
First-time buyer
75
4.10
New Mortgage
90
4.50
Remortgage
90
4.35
Remortgage
75
4.15
Last Updated: 18/01/26
First-time buyer
95
5.50
First-time buyer
90
5.10
New Mortgage
90
5.00
Remortgage
75
4.60
Last Updated: 18/01/26
Buy-to-Let
90
5.30
Buy-to-Let
75
5.10
Buy-to-Let
60
4.90
Last Updated: 18/01/26
Buy-to-Let
90
5.75
Buy-to-Let
75
5.35
Buy-to-Let
60
5.05
Last Updated: 18/01/26
0.12
0.30
0.55
Last Updated: 18/01/26
Note:
Low/Fee-Free
0
0
0
0
0
Higher rate, minimal upfront cost
Standard
999
0
0
0
-0.10
Typical fee buys a small discount
Premium
1495
0
0
500
-0.20
Lower rate, higher fee, cashback offsets
Last Updated: 27/01/26
Low/Fee-Free
0
0
0
0
0
Short-term flexibility
Standard
499
0
0
0
-0.05
Slightly lower rate
Incentivised
999
0
0
500
-0.10
Tracker / discounted variable
Last Updated: 27/01/26
Low/Fee-Free
0
0
0
0
0
Common for first-time buyers
Standard
999
0
0
0
-0.10
Most mainstream products
Cashback
1495
0
0
500
-0.20
Higher fee, lower rate
Last Updated: 27/01/26
Low/Fee-Free
0
0
0
0
0
Often used as short-term solution
Standard
499
0
0
0
-0.05
Discounted variable
Cashback
999
0
0
500
-0.10
Less common but exists
Last Updated: 27/01/26
Low/Fee-Free
0
0
0
0
0
Often lender-assisted switch
Standard
999
0
0
0
-0.10
Typical remortgage
Cashback
1495
0
0
500
-0.15
Cashback ≠ full rate buy-down
Last Updated: 27/01/26
Low/Fee-Free
0
0
0
0
0
Common short-term remortgage
Standard
499
0
0
0
-0.05
Discounted tracker
Cashback
999
0
0
500
-0.10
Incentivised but cautious
Last Updated: 27/01/26
Low/Fee-Free
1499
0
0
0
-0.15
Most BTL products
Standard
1999
0
0
0
-0.25
Lower rates for higher fees
Cashback
2499
0
0
500
-0.30
Portfolio / professional landlords
Last Updated: 27/01/26
Low/Fee-Free
999
0
0
0
-0.10
Tracker / SVR discount
Standard
1999
0
0
0
-0.20
Lower margin products
Cashback
1999
0
0
500
-0.20
Less common but valid
Last Updated: 27/01/26