Insurance!! Insurance! Insurance
Insurance always seems to be a word that makes people inwardly groan, because it means paying money towards it. But it's a safety net, a just in case option if the worst case scenario happens.
You can't get a mortgage without house insurance, and your bank noted as an interested party. That way, if the worst happens, the bank can get their money back. So they are covered.
Without personal insurance to protect yourselves, you stand to lose a lot, or even everything. Do you have life insurance, mortgage protection insurance, medical insurance? Do you know how much you are insured for? How long ago was this reviewed?
In our team we work with Andrew McGregor, he's very experienced, not pushy and can give you good advice about what to consider, within your budget. Don’t put this off.