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Health & Income
Protecting Your Peace of Mind








Best prices for all types of services
Your reliable partner in mortgages and insurance solutions. Since 2016, we’ve been supporting individuals, families, and landlords with expert guidance, and the best part is, our advice is always free.
We believe financial products don’t need to be confusing. Our advisers speak in simple, clear language and explain every option so you can make informed decisions with confidence.

First-Time Buyer Mortgages
It is a home loan designed specifically for people purchasing their first property.

Remortgages
When you switch your existing mortgage to a new deal, either with your current lender or a different one, without moving home.

Buy-to-Let Mortgages
This loan specifically designed for purchasing a property to rent out rather than live in yourself.

Help to Buy / Shared Ownership
These are government-backed schemes designed to make homeownership more affordable.

Let-to-buy
Let-to-buy lets you rent out your current home with a buy-to-let mortgage while taking a new residential mortgage to move into another property.

Life Insurance & Critical Illness Cover
These are financial protection policies designed to support you and your family in difficult times.

Income Protection
This is an insurance policy that provides you with a regular income if you’re unable to work due to illness, injury, or disability.

Whole of Life
Its a type of life insurance policy that provides protection for the insured person’s entire lifetime, rather than for a fixed term.

Private Medical Insurance
Its a health insurance policy that covers the cost of private healthcare.

Home Insurance
Home insurance is a policy that protects your house and belongings against risks like fire, theft, flood, or damage, covering repair costs, replacements, and liability for accidents at home.
Why Choose V Guard Life Ltd?
V Guard Life Ltd stands out for its commitment to delivering reliable, transparent, and customer-focused financial and insurance solutions.
Take the Next Step
Whether you’re buying your first home, reviewing your mortgage, or protecting your family’s future, our team is here to help. Contact us today for a free, no-obligation consultation, and let’s secure the right deal for you.
Testimonials
They showcase real stories of how V Guard Life has helped customers secure mortgages, find the right insurance cover, or plan their finances with ease and confidence.
Anandu ThombilTrustindex verifies that the original source of the review is Google. We had an excellent experience with V Guard Life Ltd. Mortgage & Insurance Services. They guided us clearly through the entire mortgage process, explained everything in detail, and made sure we were comfortable at every step. The service was professional, smooth, and very supportive. We are extremely happy with their work and would definitely recommend them to all our friends and family. Josymol JoseTrustindex verifies that the original source of the review is Google. Our experience with V Guard Life Ltd. Mortgage & Insurance Services was outstanding. They explained the mortgage process clearly, answered all our questions, and supported us from start to finish. Everything was handled smoothly and professionally, which made the whole journey stress-free and comfortable. We’re very pleased with their service and would happily recommend them to friends and family. Rijesh K2411Trustindex verifies that the original source of the review is Google. We used V Guard Life Mortgage Services as our mortgage adviser firm, and we were very happy with the whole service. We felt comfortable throughout the entire journey, and it was a smooth, reassuring experience. We would always recommend them to others for mortgage and insurance services. thanuzz thanuTrustindex verifies that the original source of the review is Google. As a first time buyer, I had no idea how the mortgage process works or what to expect. The advisor at V Guard Life Ltd explained everything in a simple way making it easy for me to understand. The whole team was supportive and worked together to find the best option for me. Their help made the process stress free and you will never be disappointed if you choose them. I am very happy with their service and would recommend them to anyone looking for financial advice. Gayathri TDTrustindex verifies that the original source of the review is Google. I had an excellent experience with VGuard Life Ltd. What stood out the most was how respectful they were of my time — I could contact them at my convenience, and they never disturbed my work schedule. Everything was done in a professional and flexible manner. They patiently answered all my questions, no matter how small, and made sure I fully understood every step of the process. I never felt rushed or pressured at any point. Most importantly, they helped me find the most suitable home based on my needs and financial situation. The entire process felt smooth and stress-free — which is rare when dealing with home loans! I’m truly grateful for their support and would highly recommend their mortgage services to anyone looking for a calm, reliable, and client-focused experience. Betsy BabyTrustindex verifies that the original source of the review is Google. I got to know about V Guard Life from my colleague. Before that, I was quite clueless, but they explained every detail to me clearly. Throughout the whole process, they stood by us, were always available, and very friendly. I am fully satisfied with their services and have already recommended them to many friends who are looking to purchase a property. Florance Mary JohnTrustindex verifies that the original source of the review is Google. I was looking for a mortgage advisor and a friend recommended V Guard Life Ltd. I quickly understood why they found me the best mortgage deal and took the time to explain the options clearly in a way that was easy for me. The advisor was always available by call or message and guided me through the whole process. With a dedicated team working hard to secure the best deal, V Guard Life Ltd is definitely the company to go to for financial advice.
Why choose our protection advice?
We search across all providers to find the right cover for your needs and budget. Protection policies have no cash value unless a valid claim is made.

Why choose our mortgage team?
- Over 10,000 products available to compare
- Free and impartial mortgage advice
- No hidden fees – completely free service
- Guidance throughout the entire process
- Both residential and buy-to-let mortgages covered


Our Process
At V Guard Life is designed to make your financial journey clear, simple, and stress-free.
- Free Consultation – Understand your goals
- Market Search – Compare across all lenders
- Application Handling – Paperwork & lender communication
- Completion – Support until your keys are in hand

Our Promise
Since 2016, V Guard Life Ltd has been helping clients across the UK secure mortgages and protection products that suit their needs. We work with all major banks and insurers, giving you the widest possible choice and the most competitive deals.
- We put your needs first
- We explain everything in plain English
- We work hard to secure you the most suitable deal