Navigate your home, equity release and protection options with confidence
Supporting your home, wealth, and peace of mind
At Cohesion, we help you navigate mortgages, equity release and protection with clarity and confidence. Whether you’re buying your first home, remortgaging, releasing equity, or safeguarding your income and family, we’ll guide you through the options and help you make decisions that feel informed and secure.
Clarity and transparency every step of the way
Find out how we guide you through mortgage, equity release, and protection decisions with confidence.
The solutions we offer
Mortgages
Finding the right mortgage can be one of life’s most important financial decisions. We guide you through the process, helping you understand your options, review the range of products available across the market, and recommend the solution that fits your lifestyle and long-term goals.
Your home may be repossessed if you do not keep up repayments on your mortgage. Think carefully before securing debts against your home. If property prices fall and your capital value falls below your outstanding interest-only mortgage, you’ll need to make up for any shortfall if the property sells for less
How we help:
- First-time buyer guidance, from understanding affordability to selecting the right mortgage product
- Remortgage advice to reduce costs, consolidate debt, or release equity
- Buy-to-let mortgages for clients looking to start or grow their property portfolio
- Expert support to navigate lending criteria, interest rates, and repayment options
- A no obligation review of your fixed rate renewal offer, comparing your current lenders offer to the wider market.
- Guidance for more complex situations such as divorce, blended families, or self-employed applicants
Equity Release
Equity release can provide financial security and flexibility in retirement, whether you want to supplement your income, fund lifestyle choices, plan for future care costs, or provide financial assistance to a family member. We help you to explore options safely and understand the implications of any decision for you and your family.
Our approach:
- Flexible lifetime mortgage options
- Income or lump-sum choices to support retirement, lifestyle, care costs, or support for your family.
- Clear explanation of terms, risks, and long-term impact
- Reassurance for clients and families, with a focus on financial security and helping you become comfortable with any decisions you make.
Equity release isn’t right for everyone, there are positives and negatives, and careful consideration is vital to ensure it is a suitable option for your individual circumstances.
Protection
Protecting your income, life, and assets is essential to provide peace of mind for you and your loved ones. We help you choose the right protection for your needs—whether as a standalone solution or as part of a wider financial plan.
What we offer:
- Life insurance, critical illness cover, income protection and mortgage protection options to safeguard what matters most
- Protection solutions designed for you and your loved ones—whether it’s covering your mortgage, safeguarding your income, or providing security for your family in the event of the unexpected. Advice on the type, level and structure of cover required, analysis of the wide range of options available and managing applications on your behalf.
- Commercial and corporate protection – guidance for business protection, key person cover, partnership/shareholder protection, and group risk. Learn more on our Commercial & Corporate Solutions page.
Cover will cease on insurance products if premium payments are not maintained.
Ready to take the next step?
Speak to us with no obligation to discuss your mortgage, equity release, or protection needs. Whether you’re buying your first home, reviewing your options, or safeguarding your family, Cohesion is there to advise and support you every step of the way.
Start your journeyOur commitments
We believe great financial advice is built on trust, transparency, and doing the right thing, every time. That’s why we align ourselves with respected charters and organisations that hold us to the highest standards of care, ethics, and client protection.
These commitments shape how we work, how we make decisions and how we support the people and communities we serve.
