Our Services



Our advisers have significant experience in a range of areas, and are able to provide bespoke specialist advice on everything from mortgages to pensions.

Read more


While there are many places to turn to for financial advice, an Independent Financial Adviser (IFA) is able to offer you unbiased advice on financial products across the entire market.

Read more


We know how time consuming it can be to establish exactly which mortgage is right for you. Our financial advisers can help you select the best mortgage available, and help with the paperwork that comes with it.

Read more


When it comes to more complicated financial matters such as investments or pensions, a financial adviser who knows the ins and outs can point you in the right direction.

Read more


There are many different types of savings and investments, each with different structures and tax implications. We can discuss your aims and objectives and recommend the most suitable ways to achieve your goals.

Read more


Taxation can be very complicated. The rules, reliefs and allowances often change, meaning it is important to stay on top of the current laws to ensure you're managing your finances in a tax-efficient way.

Read more


As pension specialists, we can provide advice on areas of pensions which other advisers simply aren't qualified to advise in. We can help you decide how much you should be putting in your pension as well as ensuring that your pension contributions are tax efficient.

Read more


Unfortunately, estate planning is not just for the retired or the wealthy. We can help arrage your estate appropriately so that it is distributed in line with your wishes.

Read more


Equity release describes a range of products that allow you to release the cash tied up in your home without moving. Niche IFA are regulated by the FCA to advise and sell equity release products.

Read more


Hopefully you will never need to make a claim against your insurance. However, if the time comes, you want to be absolutely sure that the insurance you have is right for you. Here at Niche IFA, we can help decide what type and level of insurance is suitable based on your current situation.

Read more


Providing long term care can sometimes be a serious financial burden on those who need care and their relatives. We work closely with care providers and solicitors to provide specialist advice on care fees and funding long term care.

Read more


We are a firm of Chartered Financial Planners with a team of highly knowledgeable advice givers. With this in mind, we have the capacity to increase our business and look after a larger "bank" of clients without reducing the quality of our service.

Read more


Here at Niche IFA, we have developed a widely-used online suite of financial planning tools called CashCalc. CashCalc includes a cashflow modeller which we make use of to provide you with a closer look at your current financial situation and potential future.

Read more



Overview Whole of Life Home Relevant Life Cover Private Medical Key Man Income Protection Family Income Benefits

Decreasing Mortgage Cover

Critical Illness Cover Contents Insurance Accident, Sickness and Unemployment Cover

Decreasing Mortgage cover

What is Decreasing Mortgage cover?

Decreasing term mortgage life insurance provides a cash lump sum for your loved ones to pay off any outstanding repayment left on your mortgage should the worst happen.

With decreasing term insurance the level of cover declines over time with the amount remaining on your mortgage. This means that as the amount of cover falls each year with decreasing term insurance there is a reducing amount of risk for the insurer, therefore premiums are far lower than for a level term plan.

The alternative to decreasing mortgage life insurance is level term insurance, which provides a fixed level of cover and is designed for interest only home loans.

What does it cover?

How does it work?

Step 1: You pass away during the policy term (set equal to your mortgage length).

Stage 2: Your family make a claim with the insurer (including your death certificate for verification).

Stage 3: The insurer pays the sum assured either into trust or directly to a joint policyholder.

Stage 4: Those life insurance funds can then be used to repay the mortgage loan in full.

Do I need it?

Although mortgage life assurance is not compulsory it is worth considering this plan if your family would struggle to keep up with the loan repayments if you passed away. So what choices do you have when it comes to this type of cover?

1. Choose your level of cover

This is usually set equal to the amount of debt still outstanding on the mortgage so the loan can be cleared in full should you pass away.

2. Choose your length of cover

This is often set equal to the length of time the loan has left to run so repayment can be made if you die at any point during the mortgage.

3. Include critical illness cover

This is an option that can be added to your life insurance policy so the mortgage can be repaid should you suffer a critical illness condition.

What will we do?

Although thinking about what could happen in the event of death is something that we all hate doing, we at Niche would like to give you peace of mind that all of your worries and concerns will be covered.

If you contact us you will be put straight through to our experienced team, who will help you along every step of the way. We will go through all of the options and make sure that you are fully covered and have the best deal that we can provide for you.