Right money!
Right hands!
Right time!


Right Money

You can use a trust to give some or all of the benefits on your protection plan to other people. This means that the benefits you give away would not be part of your estate if you die, and would not be subject to inheritance tax. Inheritance tax is currently payable at 40% on any part of an estate valued over £325,000 If you don’t put your plan in a trust any money it pays out is added to your estate.

Right Hands

Your trusts are flexible, which means you have control over who wil be responsible for making sure that happens. When your setting up a trust you have control over who will administer any money paid out from a claim (the trustees) and who will benefit from any money paid out (the beneficiaries). You can also make sure you receive any benefits that you want to keep for yourself, for example a payment following a Critical Illness claim.

Right Time

If you put your plan in trust it allows your Life Insurance company to pay any claim you make more quickly than they could if the plan was not in trust. If you die without putting your plan in trust, your representatives may have to obtain a Grant of Representation before they can deal with your plan. This process can take several months. Putting your plan in trust can avoid this delay. We have several trust forms available. We can help you decide which one best suits your circumstance.

Do you have a Will?

If not, here are just a few reasons you need one:

Your family could suffer financial hardship that could last years after a death from delays.

Your spouse might not receive everything and unmarried partners will receive nothing.

The Courts will decide who takes care of your children – not you.

For more informationclick here

Wills are referred to a third party.  Neither GBFC Mortgage Centre or PRIMIS Mortgage Network are responsible for the advice received.  Please be aware that by clicking on the above link, you are leaving GBFC Mortgage Centre website.

Our Clients’ believe we’re
the right team…

Mr G
July 2019

I’ve already recommended to 4 other people who have also used GBFC. Great service, big help and friendly. Their help and support with filling out paperwork, evening visits to our home to save me taking time off work, was fantastic!

Get in touch today for more information…


GBFC Mortgage Centre
32 Sycamore Drive
PL11 2NA

01752 814 457

07968 149 066

Office hours:

Mon-Fri: 9:00 – 17:00
Sat & Sun: Appointment Only
Evening appointments available on request

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GBFC Mortgage Centre is a trading name of Gavin Bettinson who are an Appointed Representative of PRIMIS Mortgage Network, a trading name of First Complete Limited. First Complete Limited is authorised and regulated by the Financial Conduct Authority for mortgages, protection insurance and general insurance products. The Financial Conduct Authority does not regulate all Buy to Let mortgages. This firm charges a fee for mortgage advice. The amount of the fee will depend upon your circumstances and will be discussed and agreed with you at the earliest opportunity, but will be a fee of between £200 and £300. The precise amount will depend on your circumstances. This fee is payable on application. We will also be paid a fee from the lender. The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK. Wills and Overseas mortgages are not regulated by the Financial Conduct Authority. Wills and some trusts are referred to a 3rd party. GBFC Mortgage Centre and PRIMIS Mortgage Network are not responsible for any advice received from the 3rd party.


THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR PROPERTY. YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER DEBT SECURED AGAINST IT. Securing short term debts against your property could increase the term over which they are paid and therefore increase the overall amount payable.