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Protection
PERSONALISED PROPERTY FINANCE ADVICE FOR INVESTORS AND BUSINESSES.
Whether you are building a buy-to-let portfolio, funding a commercial purchase, or arranging short-term finance, we provide clear, tailored advice to support your objectives. We specialise in buy-to-let, bridging, and commercial finance, working with specialist lenders to structure solutions that fit your circumstances.
Ready to take the next step? Call us now or fill out the form and one of our advisers will be in touch shortly.
Rockmere Finance Ltd is an Appointed Representative of Connect IFA Limited (441505), which is Authorised and Regulated by the Financial Conduct Authority and is entered on the Financial Services Register (https://register.fca.org.uk/s/) under reference 1041078
Why Protection Matters
Your home, your income, your family. We help you make sure they’re secure if the unexpected happens.
Life doesn’t always go to plan. An illness, injury or sudden loss can change everything. Protection gives you peace of mind that the people who rely on you won’t be left struggling. We’ll guide you through the options, explain what each type of cover does, and help you choose what’s right for your situation.
Is Protection Right for You? Almost Always
If someone depends on your income, whether that’s your partner, children, or even your business. Having the right protection in place can make all the difference. Even if you think you don’t need it, we’ll show you what’s worth considering and what isn’t.
Examples of who we help
✅ First-time buyers who want to protect their mortgage
✅ Self-employed people with no sick pay to fall back on
✅ Parents who want to safeguard their family’s future
✅ Business owners who rely on key team members or income
Life Insurance
What it is
Life insurance pays out a lump sum if you pass away during the term of the policy. It’s designed to provide financial support to your loved ones at the worst possible time.
Why it matters
If you have a mortgage, dependents, or anyone who relies on your income, life insurance can help make sure they’re not left struggling. The payout can be used to clear the mortgage, cover everyday expenses or simply give your family space to grieve without financial pressure.
What we help with
We’ll help you choose the right cover amount, term length and policy type. Whether you want level term, decreasing cover, or something more flexible, we’ll explain what’s suitable for your goals and budget.
Critical Illness Cover
What it is
Critical illness cover pays out a tax-free lump sum if you’re diagnosed with a serious medical condition listed in your policy. This usually includes things like cancer, heart attacks or strokes.
Why it matters
A critical illness can stop you from working and create sudden costs for treatment, travel or childcare. This cover gives you the freedom to focus on recovery without the added stress of money worries.
What we help with
We’ll guide you through how different providers define conditions, what’s covered, and how to structure your policy alongside life cover or income protection if needed.
Income Protection
What it is
Income protection pays out a monthly income if you’re unable to work due to illness or injury. It continues to pay until you return to work, retire or reach the policy limit.
Why it matters
Most people can’t afford to go without income for more than a month or two. Income protection helps you keep up with mortgage payments, bills and everyday costs while you’re off work.
What we help with
We’ll help you choose the right deferral period, benefit amount and policy length. We also make sure your policy fits with any sick pay or savings you already have in place.
Family Income Benefit
What it is
Family income benefit pays out a regular monthly income if you pass away during the policy term. It’s a type of life insurance, but instead of a lump sum, your family receives ongoing payments.
Why it matters
This cover is ideal for families who rely on a regular income to cover things like rent, food and childcare. It’s often more affordable than standard life insurance and easier to plan around.
What we help with
We’ll explain how it works, how to structure the payments, and whether it should sit alongside or instead of a traditional life insurance policy.
Business Protection
What it is
Business protection works in a similar way to personal life or income protection, but the policy is set up through the business rather than personally. It is designed to protect the company if a director, shareholder or key individual becomes seriously ill or dies.
Cover can be structured to protect profits, ownership, cash flow and long-term business continuity, depending on how the business operates and where financial risk sits.
Why it matters
Most businesses insure their premises, vehicles and equipment, but the people who generate income are often the most valuable asset. Business protection helps reduce financial pressure if a key individual is no longer able to contribute, allowing the business to continue operating while longer-term plans are put in place.
What we help with
We help business owners identify where financial risk sits within the business and structure protection around the areas that matter most. This can include protecting income, ownership, key individuals and ongoing commitments, using policies that align with how the business operates.
Cover can be arranged to support business continuity, provide breathing space during disruption and protect long-term plans.
Everyday Protection
What it is
Everyday protection provides fixed cash benefits for a range of life events, such as hospital stays, serious injury, broken bones or death. Rather than replacing income, it pays clear lump sums that can be used however needed, whether to cover business costs, household expenses or time away from work.
Why it matters
Unexpected events do not always stop income completely, but they often create additional pressure. Time off work, reduced productivity or extra expenses can all have a knock on effect, particularly for business owners and self-employed individuals. Everyday protection provides immediate financial support when it is most needed..
What it can cover
veryday style protection can provide payouts for events such as:
Hospital stays
Accidental injuries, including broken bones
Serious or life changing events
Death
Optional child cover for serious illness or injury
access to a virtual GP appointment service, GP24,
access to our virtual GP appointment service, GP24,
How it fits
This type of cover is often used as a simple, flexible layer of protection alongside more traditional business or personal protection. It is particularly popular with business owners who want clarity, fixed costs and defined benefits without complexity.
Let’s Make Sure You’re Covered
You don’t need to figure this out on your own. Whether you already know what you’re looking for or just want someone to explain the options clearly, we’re here to help.
We’ll give you straightforward advice, help you avoid overpaying, and make sure the cover you put in place actually does what you need it to.
Rockmere Finance Ltd (Company No 16551568) • Registered in England and Wales
Registered Office: 47 Farringdon House, 29 Park Lodge Avenue, West Drayton, UB7 9FX
Email: [email protected] • Tel: 0800 912 450
Rockmere Finance is a trading name of Rockmere Finance Ltd (Company No 16551568), which is an Appointed Representative of Connect IFA Ltd (Firm Reference Number 441505), authorised and regulated by the Financial Conduct Authority. Connect IFA Ltd is entered on the Financial Services Register. Financial Services Register: https://register.fca.org.uk/s/
Commission disclosure: We are a credit broker and not a lender. We have access to an extensive range of lenders. Once we have assessed your needs, we will recommend a lender(s) that provides suitable products to meet your personal circumstances and requirements, though you are not obliged to take our advice or recommendation. Whichever lender we introduce you to, we will typically receive commission from them after completion of the transaction. The amount of commission we receive will normally be a fixed percentage of the amount you borrow from the lender. Commission paid to us may vary in amount depending on the lender and product. The lenders we work with pay commission at different rates. However, the amount of commission that we receive from a lender does not have an effect on the amount that you pay to that lender under your credit agreement.
There will be a fee for mortgage advice; the precise amount will depend on your circumstances and will be confirmed in writing before you proceed. Full details are contained within our Terms of Business.
Your home may be repossessed if you do not keep up repayments on your mortgage or other secured loans.
The information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.
Complaints: If you wish to register a complaint, please contact the Compliance Team at Connect IFA Ltd, 39 Station Lane, Hornchurch, Essex, RM12 6JL, Tel 01708 676110, or refer to the Financial Ombudsman Service at www.financial-ombudsman.org.uk.
The FCA does not regulate some forms of Buy to Let mortgages and Commercial mortgages to Limited Companies.
External links: By clicking onto external links you are leaving the Rockmere Finance website. Neither Rockmere Finance Ltd nor Connect IFA Ltd are responsible for the accuracy of the information contained within linked sites.