Getting covered is not always a straight forward process if you suffer from a pre-existing medical condition, or perhaps your occupation or hobby is deemed more hazardous than others.

We are experts in finding the best, most cost effective, insurer to meet your needs. No matter what the medical condition or hazardous pursuit, rest assured that we will typically have a full understanding of your position and what can be done to find cover.

As current Protection Adviser of the Year 2019 we are best placed to you understand yourself, the wider marketplace, and the best options available.


Call us on 01270 620555 or email advice@watts-ifa.com You can also request a quote here.

We can help with the following:

Medical Conditions

Hazardous Pursuits

  • Motor Sports
  • Scuba
  • Rock Climbing/mountaineering
  • Skydiving
  • Rugby
  • Helicopter Flying

Hazardous Occupation

  • Armed Forces
  • Working at height – Roofers/Scaffolders/Rope access work etc
  • Deep sea divers
  • Oil industry/offshore workers

Edward’s story*

Edward, 67 called us because he had a rare combination of type 2 diabetes and atrial fibrillation. No company covers this combination with the exception of one insurer, Old Mutual Wealth. We arranged his life cover through them with a +125% increase to premium which he was thrilled about.

*Names changed for privacy

I just wanted to say a big thank you, for all Emma Lowe and Sian Brown’s help with getting our mortgage through to completion.

Mr & Mrs C.



Calculators to help you plan your mortgage payments and stamp duty rates.


Read what some of our existing clients have to say about our services.


Send us an email with your contact details and we’ll arrange for one of our advisers to call you back.

Watts Mortgage & Wealth Management Ltd is directly authorised and regulated by the Financial Conduct Authority.

We are entered on the Financial Services Register No 624815 at https://register.fca.org.uk/s/

More information is available on mortgages from the Money Advice Service. www.moneyadviceservice.org.uk

Where you have a complaint or dispute with us and we are unable to resolve it to your satisfaction then we are obliged to offer you access to the Financial Ombudsman Service. Please see the following link for further details www.financial-ombudsman.org.uk

Your property may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

You may have to pay an early repayment charge to your existing lender if you remortgage.

For details of our fees for mortgage business please click here.

The FCA does not regulate some forms of mortgages. The FCA does not regulate taxation advice, trust advice and some forms of buy to let mortgages.