Protection

At Melius, our aim is not only to help you secure your home but to ensure you can stay in your home should the unexpected happen. That’s why we complete a full protection review with all mortgage clients, as well as standalone reviews for anyone wanting to strengthen their financial security.

Protections We Offer

Personal Protection

Mortgage/Decreasing Term Cover

Mortgage/Decreasing Term Cover pays out a lump sum if you die or are diagnosed with a terminal illness. Commonly used to repay a residential mortgage.

Level or Increasing Term Cover

Level or Increasing Term Cover Pays a fixed lump sum on death or terminal illness. Ideal for family protection, income replacement, or covering long-term financial commitments.

Family Income Benefit (FIB)

Family Income Benefit (FIB) provides a monthly, tax-free income to your family if you die or are diagnosed with a terminal illness, helping replace lost earnings.

Critical illness cover:

Mortgage/Decreasing Cover

Mortgage/Decreasing Cover Pays a lump sum if you suffer a specified critical illness. Often used to clear or reduce a mortgage balance.

Level or Increasing Cover

Level or Increasing Cover Pays a fixed lump sum on diagnosis of a critical illness. Can be tailored to your budget, financial commitments, or family needs.

Income cover:

Provides a monthly income if you’re unable to work due to long-term illness or injury. Policies can be set up with:

· Short-term benefit periods (1–2 years)

· Long-term benefit periods (5 years or full term)

This ensures your essential bills are covered even if your income stops.

Business Cover:

Running a business means people rely on you — employees, clients, suppliers, and your family. Business protection ensures your company can continue operating smoothly if a key person becomes critically ill, dies, or is unable to work.

We support limited companies, partnerships, sole traders, and directors with tailored business protection solutions.

Relevant Life Cover

A tax-efficient life insurance policy for directors and employees. It provides a lump sum to the employee’s family if they die or are diagnosed with a terminal illness, and is usually treated as an allowable business expense.

Shareholder/Partnership Protection

Ensures the remaining business owners have the funds to buy back shares if a shareholder or partner dies or suffers a critical illness. This protects:

· The business

· The remaining owners

· The deceased shareholder’s family

It prevents shares being sold externally or inherited by someone who cannot run the business.

Key Person Cover

Covers outstanding business loans, overdrafts, or commercial finance if a key person dies or becomes critically ill. This ensures the business can continue trading without financial strain.

Business Loan Protection

Covers outstanding business loans, overdrafts, or commercial finance if a key person dies or becomes critically ill. This ensures the business can continue trading without financial strain.

Executive Income Protection

A tax-efficient income protection policy paid for by the business, providing a monthly benefit if a director or employee cannot work due to illness or injury. It can also cover employer pension and National Insurance contributions.

We Can Support

First Time Buyers

Buying your first home is an incredibly exciting time and we are delighted to be in a position to help you on this journey.

Self Employed Mortgages

Being self-employed comes with its perks and plus points but obtaining a quality mortgage can sometimes be extremely tough. If you want to purchase a property, the process of obtaining a mortgage can often be tremendously frustrating.

Struggles can arise when it comes to proving you have a steady income stream that is both substantial enough to support a family whilst also maintaining your mortgage repayments.

At Melius, we can help you secure your desired mortgage, no matter what your self-employed circumstances are. Whether you’ve only been trading for a short period, or you only pay yourself a small wage, we will help make the process as easy, streamlined, and stress-free as possible, whatever the amount you want to lend.

Buying To Let

Taking a buy to let mortgage is a little different from buying the home that you intend to live in, and we’re here to guide you through every step of the way.

The Financial Conduct Authority does not regulate some forms of Buy-To-Lets. Your property may be repossessed if you do not keep up repayments on your mortgage.

Large Buy To Let Mortgages

When it comes to million-pound buy-to-let mortgages, there’s no perfect fit. That said, with access to hundreds of lenders, at Melius we negotiate and secure the most suitable buy-to-let mortgage rates available to you.

The UK is home to one of the most competitive buy-to-let mortgage markets in the world and encompasses everyone from major banks to building societies.

Working alongside you as trusted advisor, at Melius Finance we will help you with the presentation of your assets and finances accordingly.

Re-Mortgaging

Re-Mortgaging is the process of transferring your mortgage from your current lender to a new one, usually with the aim of securing a better deal than your current.

Large Mortgage Loans

We help high-net-worth and esteemed clients secure large mortgage loans across the UK and global property market. With exclusive access to hundreds of lenders, we have a vast understanding of every type of mortgage available, from buy-to-let properties to a large family home.

At Melius, we make obtaining a large mortgage loan simple and straightforward. Our team of knowledgeable and dedicated experts specialise in identifying the most suitable mortgage rate for you and act on your behalf throughout the entire process. We also pride ourselves on how we go about advising on large mortgage loans for wealthy individuals and their family homes, providing an unprecedented service to our clients.

Finding the most suitable large mortgage solution for you is what we thrive on, helping you purchase that high-end family home you’ve worked so hard to acquire.

Million Pound Mortgages

At Melius, we have the ability to search for million pound mortgages thanks to our extensive industry knowledge and vast network of lenders.

We provide comprehensive lending solutions from £1m to several million pounds, and we are always thoughtful and robust.

Our passion, experience, and knowledge of the market enables us to help organise million-pound mortgages for any type of client.

Private Bank Mortgages

At Melius, we work tirelessly to secure high value, multifaceted, and personalised private bank mortgages across the UK. Reputation is key in this sector, while our access to the private banking sector is extensive. In addition, many leading private banks are comfortable working with us on complex mortgage scenarios.

Often suited to high-net-worth wealthy individuals, a private bank mortgage is a viable option for your mortgage requirements and can even provide more competitive rates and products compared to those on the high-street.

With access to almost every private bank in the country, we can move fast and present you with options domestic banks simply cannot.

Releasing Equity from High Value Properties

Do you own a high-value property or extensive real estate portfolio? Releasing capital from a property can make perfect sense, even more so if you aspire to renovate your home, retire, or enjoy an expensive trip away.

With this in mind, high value equity release has become even more enticing, presenting many property owners and investors with an opportunity to release equity from one or more of their homes.

Complex Mortgages

At Melius, no mortgage is too complex- we are dedicated to try and help you whatever the circumstances, and aim to find you the most suitable solution depending on your individual needs.

High Value Mortgages

A high loan-to-value (LTV) ratio of a mortgage is gaged as a percentage of the property’s value. Lenders want to share as much risk as possible when it comes to high-value mortgages, even more so when it comes to couples and families.

It’s important to note that the risk that the lender puts on the mortgage is always expressed in the interest rate your lender provides. With this in mind, we encourage you to discuss your high loan-to-value mortgage options with the team here at Melius.

The Financial Conduct Authority does not regulate some forms of Buy-To-Lets. Your property may be repossessed if you do not keep up repayments on your mortgage.

Lets get the ball rolling

Let us know what you need

You are now entering Melius Residential which is a regulated site. Melius residential is an appointed representative of HL Partnership, which is authorised and regulated by the Financial Conduct Authority.