Mortgage advice that doesn't cost the earth
Home and contents insurance

Proper home insurance, sorted for you

We arrange buildings and contents cover through PaymentShield, a 5-star Defaqto rated provider, at a discount compared with going direct. If you’ve just had a mortgage offer, we can have cover in place ready for exchange.

Book a call to get your quote Or call 0117 4039430 →

We do not charge a fee for buildings and contents insurance advice but we may receive a commission if you take out cover arranged through us

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Why PaymentShield, why through us?

You already know what buildings and contents insurance does. The real question is who to buy it from. Here’s why PaymentShield is our recommended provider, and why our clients come to us rather than going direct.

 

 

Generous where it counts

  • Alternative accommodation if your home becomes uninhabitable, at higher limits than most standard insurers
  • Trace and access cover for finding and fixing hidden leaks
  • Outbuildings cover included for tools in the garage or shed, which many contents policies leave out
  • Underground services and sewer blockage cover, including the cost of digging up and repairs
  • No cancellation or adjustment fees when your circumstances change (a new kitchen, a change of job, building works)

 

5-star Defaqto rated

Independently assessed as one of the strongest home insurance policies on the market for cover and value. Not the cheapest, but consistently up there with the best.

A few questions, not a hundred

Most insurers ask around a hundred questions so they have small print to lean on at claim time. PaymentShield keeps it short, then honours the claim. They don’t even ask for a rebuild cost.

Discounted through us

We’ve negotiated a 5% discount for WR Ethical clients that isn’t available if you go direct.

No fee for our advice

You don’t pay us a penny for arranging your insurance. We’re paid by the insurer when the policy goes live, which covers us supporting you.

It only takes 15 minutes to get started

Book a call and we’ll fine-tune your quote and arrange the policy. If you’d rather, we can send a quick quote first and follow up at a time that suits you.

Book your free consultation

What customers say about us

We invite feedback from everyone we advise, so you can read genuine, unfiltered reviews

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Top Rated Service
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  • New reviews collected regularly Recent review activity detected
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  • Responds to customer reviews 80% response rate within 48 hours
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Ella Gregory profile picture
Ella Gregory
4 days ago
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Conor helped us obtain our mortgage offer. He was professional, friendly, helpful and very quick to respond. We are first time buyers and he made the process very easy, explaining everything clearly. Thank you Conor
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D C profile picture
D C
7 days ago
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Darryl gave us great advice when selecting our mortgage product. We also took out life and buildings insurance with them too based on our initial experience. Would recommend for honest and independent advice.
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Clemence C. profile picture
Clemence C.
10 days ago
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We had an excellent experience with WR Ethical (Matt Scarisbrick specifically) and would highly recommend them. They helped us with our remortgage, which involved repaying our Help to Buy loan, and took the time to properly understand our circumstances rather than simply finding us a mortgage. In particular, they helped us understand the property valuation we would need to achieve an acceptable loan-to-value ratio and guided us clearly through the different options. They gave us a number of lenders to choose from and, importantly, helped us understand the differences between them beyond just the interest rate. They highlighted how ethical each lender was, how easy they were to deal with and how accommodating they were likely to be. This gave us a much better basis for deciding which lender was right for us and meant we could make an informed choice based on the things that mattered to us. We also really appreciated their wider approach to protecting us financially. They quite rightly raised the question of whether we had adequate insurance in place should either of us become unable to work or pass away. It was reassuring that their focus wasn't just on completing the mortgage, but also on making sure we could continue to afford and keep our home if the worst were to happen. They also made some excellent solicitor recommendations at different price points, giving us the information and choice to decide what worked best for us rather than pushing us towards one particular option. Throughout the process, we felt well advised, looked after and confident that the recommendations being made were genuinely in our best interests. Knowledgeable, thorough and conscientious — we'd happily recommend WR Ethical Mortgage Brokers to anyone looking for mortgage advice.
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Marek Wolan (Kat) profile picture
Marek Wolan (Kat)
11 days ago
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I'm happy with advice given, always quick, helpful, and friendly.
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Craig McDonald profile picture
Craig McDonald
17 days ago
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We can’t thank Darryl enough for all of the help and guidance he’s given us over the last couple of months. From the very beginning he has been incredibly helpful and always available whenever we’ve had a question or weren’t sure about something. Having someone we could contact so easily made our first time buying so much easier and really helped put our minds at rest. Many of our friends and family have told us of bad experiences during their own house buying processes having to constantly chase people up, but there wasn’t a single time we had to chase Darryl for a response or update. We’re extremely grateful for all of Darryl’s help and wouldn’t hesitate to recommend to anyone! Thanks Darryl!
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James Smith profile picture
James Smith
22 days ago
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Mark @ WR Ethical was an immense help with my family life insurance. He helped navigate some challenging family history considerations, to secure a policy that was an ideal fit. Couldn’t recommend more highly!
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William Keogh profile picture
William Keogh
23 days ago
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Connor at WR Ethical was pleasant to deal with and efficient. He found us a substantially larger interest only mortgage than I could get from any of the usual online mortgage shopping sites and at a competitive interest rate. I tried 2 other brokers as well and their offers were not as good as what Connor found.
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Clare Andrews profile picture
Clare Andrews
31 days ago
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I chose WR Ethical for their ethical and environmental stance, and have benefited from their mortgage advice twice now. On both occassions my interactions with mortgage advisor Paul have been friendly and he has taken time to understand my values and needs, and given detailed and clear information. Recommended service.
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Owen o neill profile picture
Owen o neill
32 days ago
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I found Paul to be super helpful in my mortgage process (1st time buyer). He was knowledgeable, straightforward, patient and realistic in what I needed and what I could get. It was a tricky nerve-racking 12 months beset with issues and the mortgage was approved with one day to go before the offer expired. Paul got an extension on the offer which saved the day and was professional and kind throughout the process. I wholly recommend Paul and WR Ethical. Many thanks.
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Dave Tunstall profile picture
Dave Tunstall
33 days ago
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We had our first meeting with Mark to discuss life insurance, and he was fantastic, friendly, helpful, and highly professional throughout. He also flagged some important considerations we hadn’t thought about, which really added value to the conversation. Highly recommend!

FAQs

A few quick questions about the building and contents insurance service we provide

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No, and we don’t pretend it is. It’s consistently one of the strongest policies on the market for cover and claims behaviour, which matters more than a headline price when you actually need to claim.

If you have a mortgage, your lender will insist on buildings cover. Contents is your call, but one burglary, fire or leak can wipe out years of belongings.

You don’t need to – if you need to claim, Paymentshield are set up to pay, not quibble on details.

We’ll look at what you’ve got, compare it fairly, and only recommend a move if the cover or the price suits you better.

As you’d expect, full details are in the policy documents, are subject to underwriting, and you have the usual cooling off period. The cover and options are outlined in their leaflet and buyer’s guide.

Still have questions?

Contact us and our team will help you get the answers you need

Get answers
WR Ethical is authorised and regulated by the Financial Conduct Authority. We do not charge a fee for buildings and contents insurance advice but we may receive a commission if you take out cover arranged through us

Mortgage offer in hand? Renewal coming up?

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