Our Executive Managing Director, Stephanie Okafo, is a fully qualified Mortgage Adviser with over 10 years’ experience, she is also a Protection & Will Adviser.


At John Samuel Estates, we offer so much. When you arrange a mortgage through us it is not just about that mortgage. We like to think that you have entered a relationship that will last you a lifetime. We commit to finding you the best mortgage for you every time it comes up for renewal. Our customer contact programme keeps you completely informed about the market. Excuse the cliché, but knowledge is, as they say, power. They are right…

Buy to let mortgages are not regulated by the Financial Conduct Authority.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Life Insurance Mortgage Protection Insurance

We all know that taking out a mortgage is likely to be the biggest financial commitment we’ll ever make in our lives. That’s why it’s important to plan for the unforeseen and ensure you have the right protection in place to give you and your loved one’s peace of mind.

Imagine what would happen if you were unable to work because of an accident, serious illness or even loss of life. It’s not something that any of us would ever want to contemplate but, by planning for the unforeseen you can make sure that you can pay your mortgage, protect your family’s lifestyle and have enough money to cover your everyday living expenses.


Thankfully, protection insurance can help to keep your family financially secure. And by writing your policy in trust, the pay-out wont form part of your estate. This means the money passes to your family and won’t be included in inheritance tax. A trust also stops payments being held up by any legal issues. Making sure the money reaches the people you left it to when they need it most.

Benefits of a trust:

  • A trust cost nothing.
  • It gets the money to the people you intend it for.
  • It could save thousands of pounds in inheritance tax depending on how big the estate is, and on the sum put in trust.

So, if you’re taking out protection, put it in trust. It will make sure your money reaches its intended destination.


Making a Will is something that many of us avoid thinking about, however, it is one of the most important things to ensure is completed as soon as possible.

By writing your Will you can ensure that those you wish to benefit from your assets after you have passed actually do so and ensures that any minor children will be looked after by those you appoint. There are many other benefits of making a Will and if you would like more information on this, please get in touch.