Mental health is a common disclosure and can range in severity from stress/anxiety to bipolar, schizophrenia, post-traumatic stress disorder or history of self-harm or suicide attempts.

Insurers can find applications difficult to assess as symptoms can be hard to describe/quantify but useful information to have to hand is listed below.

What we need to know

  • What is your condition?
  • When were you diagnosed?
  • Do you take medication?
  • Have you ever been a hospital in-patient as a consequence of your mental health issue?
  • Have you any history of suicide attempts or self-harm?
  • Do you have any history of alcohol or drug abuse?
  • Have you had time off work for this?

For certain conditions, such as bi-polar, are you in a full time occupation with a stable home life?


We’d love to help you find the right protection for you.

Call us on 01270 620555

Or request a quote here

Maggie’s Story*

Maggie has a history of severe acute mental health issues, including 2 years in psychiatric care and multiple suicide attempts. These were all over 10 years earlier and now, at 40, Maggie was finding it exceptionally difficult to find anyone willing to offer her life and critical illness protection. We found the only insurer on the market willing to consider her case at that time and she paid only +50% rating over standard premiums on both her life and critical illness cover.

Steve’s story*

Steve has a history of PTSD coupled with a long-term back condition from his time in the armed forces. At 47 he has lumbar spondylitis, meaning he was in chronic pain. He had no history of self-harm or alcohol/drug abuse. He came to us after being declined for cover by a leading insurer. We found him life cover with a +100% rating through our knowledge and experience of current lenders.

*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.


With advances in medical care more and more people are now surviving illnesses once thought to be fatal.

Protection insurance is designed to help when the things we hope will never happen to us, do!

Protecting your future is important and Income Protection can protect your income and make sure that money is there when you need it most.

This cover can give you the peace of mind of knowing that in the event of redundancy or illness your mortgage payments will be made.

Your home is probably the largest single financial commitment you will make in your lifetime, so protecting it is so important.

You insure your car, your home, and your valuables – isn’t your health the most important asset of your life?

Relevant life insurance is a tax efficient way of a company providing life insurance for its employees, including directors of limited companies.

Directors’ shareholder protection is insurance that is specifically designed to ensure that should one the shareholding directors die or be diagnosed with a terminal illness the remaining shareholders will have access to sufficient capital to buy the deceased’s shares from his/her estate.

Key person insurance helps safeguard a business against the financial effects of the death or critical illness of a key member of staff



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

More information is available on mortgages from the Money Advice Service.

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

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.