Protection
Protecting what matters. Planning for what doesn’t.
Protection is a critical part of any financial strategy. Whether you are safeguarding your home, your income, your family, or your business, the right protection ensures that unexpected events don’t derail long-term plans.
Our advisers assess risk alongside opportunity, ensuring cover is appropriate, comprehensive, and aligned with your wider financial objectives.
Personal protection
Personal protection is designed to provide financial resilience when life takes an unexpected turn. We help clients put the right cover in place to protect their lifestyle, liabilities, and loved ones. Our advice covers:
- Mortgage Protection – safeguarding repayments if death occurs
- Income Protection – replacing income if you’re unable to work due to illness or injury
- Life Insurance – long-term security for dependants and beneficiaries
- Critical Illness Cover – financial support following serious illness
- Home & Contents Insurance – protecting property and possessions
- Buildings Insurance – cover for structural damage and insured risks
We do not offer advice on inheritance tax planning and trusts.
Business protection
For business owners, landlords, and employers, protection is essential to continuity and stability. Capricorn provides specialist advice to help mitigate financial risk across commercial and property interests. We advise on:
- Business Protection – safeguarding shareholders, directors, and key individuals
- Landlord Insurance – tailored cover for rental property portfolios
- Group Protection – employee benefits including life and income cover
- Legal Indemnity Insurance – protecting against title defects and legal risks
Contact us to find out more - advice@capricornfinancialmortgages.co.uk or call +44 203 111 0900
Timothy Aspinall
Senior Protection Adviser & Team Leader
- Language:English
- Specialism:Protection
Timothy Aspinall
Senior Protection Adviser & Team Leader
After studying for a Photography Degree at UEL, Tim began his career in the Telecoms industry before an interest in finance and property motivated him to pursue a career within the Protection team at Capricorn Financial Mortgages. Tim has an extensive knowledge of personal protection including Life Cover, Critical illness cover and Income Protection. His role within Capricorn is to ensure all clients receive impartial and expert Protection advice of the highest standard.
In his free time Tim enjoys travelling and playing golf.
Karwan Baban
Equity Release, Mortgage & Protection
- Languages:English, Kurdish
- Specialisms:Protection, Mortgage
Karwan Baban
Equity Release, Mortgage & Protection
After graduating from University of surrey with BSc (Hons) in Business Management and MSc in Business Economics and Finance, Karwan pursued a career in the financial industry with one of the major banks in the UK before joining Capricorn Financial Mortgages in May of 2017. He successfully performed a number of roles within wealth management and retail banking and has a significant personal financial advising experience. Karwan is currently studying with Chartered Insurance Institute and aiming to become a Chartered Financial Planner.
Outside of work Karwan is a keen explorer and an active sportsman. Besides the gym he is practising various martial arts styles and achieved Nidan/2nd Dan black belt in Goju Karate Kaiku.
Sherene Jean-Charles
GI Consultant
- Language:English
- Specialism:Protection
Sherene Jean-Charles
GI Consultant
Sherene is a focused and motivated individual, who has always been passionate about property. After graduating university with a degree in international business management, alongside studying in her final year she had her first introduction into the property sector. While working within a property investment firm she has gained great insight into the property market this strengthen by her sales background and customer service experience makes her a welcomed addition to the Capricorn Financial Mortgages team. She enjoys meeting new people and spending time with friends and family.
Billel Zardoumi
Head of General Insurance
- Languages:English, French
- Specialism:Protection
Billel Zardoumi
Head of General Insurance
Billel studied Business Information Systems at Middlesex University, graduating in 2009 with a BSc (Hons) in Information Technology with Business Information Systems. Soon after he started working as a forex trader with Schneider Group before moving into the luxury sector where he spent the last 5 years working as a client manager, dealing with HNWI in french, arabic and english speaking countries for global telecom luxury brands such as VERTU & SIRIN LABS. This experience has helped fine-tune his customer service and client management skills, which he now brings to Capricorn Financial Mortgages.
In his leisure time Billel enjoys music production, socialising & watching anything presented by Sir David Attenborough.
Jack Phelps
Senior Protection Adviser
- Language:English
- Specialism:Protection
Jack Phelps
Senior Protection Adviser
Jack started his career in Commercial Insurance in the South West of England. Having worked his way up from Administration Assistant to Senior Account Handler in a couple of years, Jack decided that the best place to continue his career would be in London, which led him to Capricorn Financial Mortgages. Having an extensive knowledge of all financial protection products including Life cover, Critical Illness cover and Income Protection, Jack offers holistic advice to the highest standard. In his free time, Jack enjoys playing football and going to restaurants.
Leighton Thomas
Protection Adviser
- Language:English
- Specialism:Protection
Leighton Thomas
Protection Adviser
Leighton is a Protection Adviser at Capricorn Financial Mortgages, recognised for his organised approach, clear communication, and natural leadership. With a business-focused academic background, he has developed a strong understanding of client needs and excels in delivering tailored, solution-led advice.
Prior to joining Capricorn Financial Mortgages, Leighton held leadership and customer service roles across fast-paced industries. These experiences sharpened his ability to build trust, work effectively under pressure, and consistently achieve results – skills he now uses to help clients safeguard what matters most.
Outside of work, Leighton is a keen traveller and a dedicated sportsman, regularly playing both football and basketball.
Mark Harkin
Protection Adviser
- Language:English
- Specialism:Protection
Mark Harkin
Protection Adviser
Mark has been a Financial Adviser for over 20 years and is very experienced in all areas of personal protection, including: Life Cover, Critical Illness Cover, Income Protection Benefit. As the Protection Specialist for Capricorn Financial Mortgages, his job is to ensure our clients receive appropriate protection advice as part of a thorough review of their overall circumstance and to provide them with impartial and expert advice at all times.
Michael Ngoka
Protection Adviser
- Language:English
- Specialism:Protection
Michael Ngoka
Protection Adviser
Michael is a graduate of the University of Nottingham and a qualified Financial Protection Adviser at Capricorn Financial. Having recently achieved his R05 qualification, he specialises in helping clients protect what matters most through tailored life insurance, income protection and critical illness cover solutions.
Michael is committed to providing clear guidance and a professional service, taking the time to understand each client’s individual needs and helping them make informed decisions about their financial protection.
Outside of work, Michael enjoys football, reading and continually expanding his knowledge through personal and professional development.
Speak to a Protection Specialist
Protection should be simple, transparent, and effective. Whether personal or business-related, our advisers will ensure your cover supports your wider financial strategy – today and in the future.
Speak to a Protection Specialist
Protection should be simple, transparent, and effective. Whether personal or business-related, our advisers will ensure your cover supports your wider financial strategy – today and in the future.
Still got questions?
Choosing a financial adviser is a big decision. Whether you’re buying your first home, investing internationally, or planning for the future, these are some of the questions clients most often ask us before getting started.
We offer life insurance, critical illness cover, income protection, mortgage protection, home and contents insurance, landlords insurance, group protection, and business protection.
Our advisers provide bespoke, professional guidance tailored to your circumstances, taking into account existing policies, financial obligations, and risk exposure.
Yes. Mortgage protection insurance ensures your home loan is paid off in the event of death or critical illness (depending on the type of policy arranged), safeguarding your family’s financial security.
Absolutely. We provide landlord insurance, business protection, and group protection, helping portfolio landlords, companies, and trading businesses mitigate financial risks.
Yes. Many clients choose to combine life insurance, critical illness cover, and income protection for comprehensive coverage and peace of mind.
Our advisers help clients navigate the claims process and liaise with insurers if further support is required.