Buying a first home
Understand the preparation, deposit, mortgage process and questions to ask before making an offer.
First-time buyer support ↗Work with Jack · For employers & HR teamsA workplace benefit.
A workplace benefit.
For the life beyond work.
Give your people a practical benefit for life beyond work: access to personal mortgage and protection advice, with a clear contact route and private conversations.
An employee benefit with a personal purposeHelp with the decisions
Help with the decisions
that come home with them.
A workplace route to advice can make it easier for employees to find a person to talk to when their circumstances change.
Moving or remortgaging
Talk through a home move or the end of a current deal, and compare the relevant next steps.
Reviewing a mortgage ↗Protecting home & income
Review personal needs alongside sick pay, death-in-service cover and other existing workplace benefits.
Protection conversations ↗Relocating staff, international employees and people with bonus or variable income can also discuss their circumstances. This benefit provides access to advice; it does not guarantee borrowing, a rate, a saving or insurance acceptance.
Choose a format for your teamA simple contact route.
A simple contact route.
Or a wider programme.
The right format depends on the size, location and needs of your workforce. Delivery, availability and any charges are agreed before launch.
A named advice contact.
Share an agreed contact link through your staff benefits page, onboarding material or internal communications. Employees choose when to get in touch.
Practical staff sessions.
Discuss an online or workplace session on first homes, remortgaging or mortgage preparation. General information is kept separate from personal advice.
Private appointments.
Agree a route to one-to-one conversations. Employees share their circumstances directly with the adviser, outside the employer’s HR process.
A manageable launchFit the benefit
Fit the benefit
around your people.
Begin with the workforce and communication plan. Personal employee records are not needed to scope the programme.
- 01
Understand the team
Discuss approximate headcount, UK or overseas locations, working patterns and the questions staff commonly ask.
- 02
Agree the programme
Confirm the format, delivery dates, employer costs if any, and how employee advice fees will be explained.
- 03
Share the invitation
Use agreed wording and a direct contact route. Employees opt in and remain free to use another adviser.
- 04
Review the delivery
Discuss whether the format is useful. Any reporting must protect confidentiality and avoid identifying individual financial circumstances.
For the employer
Simple administration.
Agree the programme, share the invitation and coordinate any group sessions. You do not assess eligibility or collect mortgage documents.
For the employee
A private conversation.
Contact Jack directly and receive the relevant service and fee disclosures. Payslips, bank statements and medical information do not go through HR for this benefit.
Clear expectations
What employers usually ask.
Is this free for the employer or employee?
There is no blanket promise of a free service. Any employer programme or session charge is agreed before launch. Individual advice fees and relevant lender or insurer commission are explained to the employee before they commit.
Will we see employees’ financial information?
No personal case information is routinely shared with the employer. Employees deal directly with Jack. Any exceptional sharing requires an appropriate basis and clear agreement with the employee.
Can this fit alongside our existing benefits?
Yes, we can discuss how to signpost the service alongside existing benefits. Personal protection conversations take account of relevant sick pay, death-in-service cover and other policies, to help avoid unnecessary overlap.
Can remote or internationally based employees take part?
Tell Jack where your employees live and what support is needed. Phone or video may suit the programme, while the scope of individual advice depends on residence, circumstances and the service available. International mortgage enquiries on this site concern UK property.
Do group sessions include personal recommendations?
No. Group sessions provide general information. Any personal mortgage or protection recommendation requires a separate individual assessment and engagement.
Does using the benefit affect employment?
Taking part is voluntary and the employer should communicate that clearly. Employees can use another adviser or choose not to seek advice.
Who provides the advice?
Jack Cousins is Head of Mortgages at Lockhart Murphy. Mortgage and protection advice is provided through Mortgage Force (UK) Ltd, subject to the scope and disclosures agreed with each employee.
Start with your organisationBring the benefit
Bring the benefit
to your people.
Send your organisation, approximate team size, working locations and the format you have in mind. Please leave out individual employee information.
All ways to work with Jack · Privacy and personal information
Put it in contextDifferent situations.
Different situations.
A useful starting point.
Illustrative examples for mortgage and protection employee benefits. These are not records of actual client outcomes.
01 · ILLUSTRATIVE
Employees relocating
An employer wants to make an advice route available while keeping personal financial information private.
Read the scenario ↗02 · ILLUSTRATIVEA variable pay package
An employee can supply authorised contract and pay information for their own mortgage assessment.
Read the scenario ↗03 · ILLUSTRATIVEA general information session
An employer wants a starting point for staff questions, with individual advice handled separately.
Read the scenario ↗04 · ILLUSTRATIVEEvidence focus: Keep the employee's advice private
A professional introducer is considering mortgage and protection employee benefits. The brief includes nature of the support required and a separate question about employee…
Read the scenario ↗05 · ILLUSTRATIVEDecision point: Relocation or contract timing
A professional introducer is preparing for mortgage and protection employee benefits, but the information about relocation or contract timing changes while a question about…
Read the scenario ↗