You’ve learned the why. Now let’s sort the how.
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Reaffirming Who We Are
Thank you for joining our Financial Resilience Webinar, hosted by Matthew Leeden and delivered by the team at Five Star Mortgages.
This session wasn’t about selling products — it was about helping you, as self-employed driving instructors, understand how to protect your income, your business, and your family.
At Five Star Mortgages, we specialise in:
✅ Protection strategies for limited company directors
✅ Executive Income Protection and Relevant Life cover
✅ Practical solutions such as MetLife accident and mortgage repayment plans for those who may find traditional cover harder to access
Marta Scott-Manuszewska, who led the income protection segment of the webinar, is an Associate of the Income Protection Task Force (IPTF) — reflecting our commitment to providing credible, expert protection advice.
You’ve heard the message. Now let us help put the right plan in place for you.
Mortgage Advice for Driving Instructors
We understand the unique challenges driving instructors face when applying for a mortgage — fluctuating income, self-employed status, and lender criteria that don’t always fit a standard PAYE model.
That’s why we:
Work with lenders who understand self-employed income
Help you present your income clearly to maximise borrowing potential
Advise on remortgages, first-time buyer and moving home applications
Guide you through the process to keep things as stress-free as possible
We help driving instructors get mortgage applications approved every day.
Book your free consultation
Take the next step and arrange your no-obligation, free consultation with one of our specialist advisers.
We can help with:
🛡 Protection planning
🏡 Mortgage advice
💬 Personalised guidance for your business
✔ Free initial consultation
✔ No obligation
✔ Tailored, professional advice
Frequently Asked Questions
Q: I’m self-employed — can I still get income protection?
✅ Yes. In fact, most driving instructors are self-employed, and there are excellent policies designed for people like you. We can look at Executive Income Protection if you operate as a limited company, or personal cover if you’re a sole trader.
Q: What if I’ve had medical issues before — can I still get cover?
✅ Traditional cover can be trickier with medical history, but that’s where options like MetLife Accident & Mortgage Repayment Plans come in — they often require less medical underwriting and can still offer valuable protection.
Q: How soon would income protection pay out if I couldn’t work?
✅ Most policies have a “deferred period” (often 4, 8 or 13 weeks). We’ll tailor it to your savings and rainy day fund so it’s cost-effective but still gives you peace of mind.
Q: How do lenders assess my income for a mortgage if it changes each month?
✅ Lenders will usually look at your last 1–2 years of income. We’ll help present your accounts clearly and match you with lenders who understand how self-employed instructors work.
Q: Can I get a mortgage even if my income isn’t the same every year?
✅ Yes. Some lenders are flexible and look at your most recent year or an average. We work with lenders who regularly approve mortgages for instructors like you.
Q: Do I need to have a big deposit to get a mortgage?
✅ Not necessarily. The deposit you need depends on the product and lender — often 5–10% is enough, maybe a 100% mortgage is possible. We’ll advise you on the most suitable options for your situation.