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Keeping your heart healthy

015th February 201720th December 2018
By Oakwood Mortgage ServicesIn General

Dementia and Alzheimers have replaced heart disease as the leading cause of death in England and Wales, but the latter still accounted for 11.5% of all deaths in 2015. In fact, every three minutes someone in the UK has a heart attack and 30% of those are fatal.

The good news is there’s a lot you can do to keep your heart healthy.

Watch your weight

Research shows keeping to a healthy weight cuts your risk of heart disease. The British Heart foundation offers support on eating well and being physically active which can help you manage your weight and keep your heart healthy. Find out more at www.bhf.org.uk

Stop smoking

Smokers are almost twice as likely to have a heart attack compared with those who’ve have never smoked. It’s a difficult habit to break, but stopping smoking is the single best thing you can do for your heart’s health. If you smoke:

  • ask your doctor, practice nurse or pharmacist for advice on how to stop.
  • make a date to give up and stick to it.
  • tell your family and friends that you’re quitting and ask for their support.
  • keep busy to help take your mind off cigarettes.

Don’t drink too much

Drinking more than the recommended amount of alcohol can also have a harmful effect on your heart and general health. If you drink alcohol it is important to keep within the guidelines and drink no more than 14 units each week.

Manage cholesterol, diabetes and high blood pressure

If you have too much cholesterol in your blood, have diabetes or high blood pressure, this can increase your risk of heart disease and other cardiovascular diseases. Eating healthily and exercising regularly can help lower cholesterol, reduce your risk of developing type two diabetes and reduce blood pressure.

Get financial protection

Life and Protection Insurance offers a financial safety net for you and your loved ones, should heart disease strike. In fact, Scottish Widows recently revealed that heart-related disorders were the second only to cancer as the most common reason for a policyholder to claim on their life cover and critical illness plan. They can provide a regular income or cash payout to ease the financial burden caused by serious illness or untimely death:

• Life Insurance can provide financial security to those who depend on your income when you die. It could pay off your mortgage, or provide an income to help cover things like regular household bills

• Critical Illness Insurance pays out a tax-free lump sum on the diagnosis of certain life-threatening or debilitating conditions, like cancer, heart attack or stroke.

• Income Protection Insurance pays out a regular, tax-free income if you become unable to work because of illness, injury, and in some cases, unemployment. It could help you keep up with your mortgage or rent payments, as well as other living costs, until you’re able to return to work.

You may already have one or more of the above in place, but it’s still worth reviewing your current cover levels. Personal circumstances can change regularly so it’s important to ensure your level of cover remains appropriate.

Contact us today for a Life and Protection Insurance review.

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Oakwood Mortgage Services Ltd
Oakwood Mortgage Services Ltd
5.0
Sharon Price
Sharon Price
15:30 12 Aug 20
In these current times Stuart has assisted me with a temporary solution to my mortgage issues which went very smoothly. I will be working with Stuart again very soon to change mortgage product completely. Thank you Oak wood Mortgage Services
Ben Brown
Ben Brown
16:38 31 Jul 20
I would like to say a huge thank you to Oakwood Mortgage Services and in particular to Richard Burley who seems capable of working miracles, particularly when dealing with the complicated applications of a sportsman. Richard’s calm manner and problem solving have been brilliant over the years and allowed both Katie and I to stay relaxed and in control during stressful house buying moments, as well as helping us to navigate the the complex buy-to-let market! We owe a huge debt of gratitude to Richard and Oakwood mortgage services ahead of moving house next week, and I would highly recommend their services. In particular I would recommend them to other sports people who have previously struggled with mortgage companies based on our short contracts and the potentially volatile nature of our work. Thanks again Richard. Ben and Katie
Gwenie Ralph
Gwenie Ralph
20:57 06 Jul 20
I gave Stuart at Oakwood Mortgage services a challenge of finding me an impossible mortgage. I knew I wouldn't get exactly what I wanted, but he came up with some nice surprises. He explained everything, not pushy at all, a friendly and professional approach. Thank you
nicky Myers
nicky Myers
19:17 25 May 20
We were first time buyers and dealt with Richard around the mortgage application. He helped us understand each process, explaining everything thoroughly and came to meet us twice where he was very personal and efficient. Dave took us through the building and contents and life insurance process, again coming to meet us in person and took us through the options, step by step. Dave was very communicative and answered any questions we had.Emma was there throughout this process and on hand with any urgent queries we had and was a delight to deal with.They managed to make it all happen, even during lockdown!Highly recommend Richard, Dave, Emma and Oakwood. We are very happy in our new home!
Daniella Castro Gouveia
Daniella Castro Gouveia
11:31 19 May 20
I have worked with a number of the Oakwood team over many years and they are all excellent and totally professional at what they do. Dave came to our family home a few years ago to discuss and advise us in terms of financial insurance. He was very knowledgeable, really easy to talk to. Sometimes discussing financial things can be quite tricky to understand, but I felt at complete ease with Dave. I would highly recommend speaking to him if you need insurance or even need a mortgage as he covers both areas. Thanks for all your support Dave. It's always good to have someone who has your back!
Richard Craven
Richard Craven
19:12 03 May 19
Stuart was excellent, helped me obtain a mortgage quickly and painlessly with minimal effort and was always ready to promptly answer any questions I had.
Andrew South
Andrew South
17:50 26 Mar 19
Stuart was very profession and friendly, He was there to help when something went wrong.Highly recommend!!
Ian L
Ian L
13:45 03 Jan 19
When we started looking for a house, we contacted Stuart based on a work colleague's recommendation. Having not bought a house in the UK before, we had a lot of questions.Stuart guided us through the process and was always available to answers questions and provide advice that was easy to understand.We had a protracted period between initial contact and purchase, in this time Stuart was patient, professional and provided us with a high level of confidence that we were in capable hands.A huge thank you to Stuart and the staff at Oakwood, we would not hesitate to recommend them.Ian and Yoosun
Claire Vince
Claire Vince
22:13 21 Dec 18
Great service. Paul talked us through everything really clearly and made the whole process very smooth and straightforward. We have recommended Oakwood to friends as a result.
Christopher Relph
Christopher Relph
23:27 29 Aug 18
The team is very friendly, professional and knowledgeable on their given subject. My situation was rather unusual and my options were very limited, if i had tried on my own i wouldn't have found the best deal for me. The information provided to me was well presented and insightful, if anything was unclear they made sure that i understood things fully. In the end they found the best deal out there that ticked all the boxes i needed and went above and beyond. To make sure i wasn't put into a position i couldn't afford to be in Stuart would go to an agent and tell them when things weren't possible, even when they were insistent on getting a deal, Stuart had my back in it!I can't recommend them enough, and will be returning to them down the line myself!
Sam Eccles
Sam Eccles
15:35 24 Jul 18
Top notch service. Friendly, prompt and accessible no matter where you are based (I'm in the Highlands). Much better service than that experienced by local face-to-face advisers with a large portfolio of companies that ensure you can get the mortgage to suit your needs. Have happily referred to others in less than usual circumstances, all of whom have come away delighted
Michelle Ames
Michelle Ames
18:20 07 Jul 18
Highly recommend. We were first time buyers and Stuart made the process simple and efficient. We found our property and made an offer on the spot, but the agents needed to speak to Stuart before stopping further viewings, so he dropped everything whilst at a conference and the rest is history. Buying a house is an emotional time, so having the mortgage element handled by a professional, yet down to earth person like Stuart was invaluable to us. Thanks Stuart.
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