Private Medical Insurance Explained

We will make the complicated simple and make sure that you have the cover you need. Here are some of the major benefits :

Specialist referrals

You can ask your GP to refer you to an expert or specialist working privately to get a second opinion or specialist treatment.

Get the scans you want

If the NHS delays a scan, or won’t let you have one, you can use your cover to pay for it.

Reduce the waiting time

You can use your insurance to reduce the time you spend waiting for NHS treatment, if your wait time is more than six weeks.

Choose your surgeon and hospital

You can (in theory) choose a surgeon and hospital to suit your time and place – which isn’t possible on the NHS.

Get a private room

You can use it to get a private room, rather than staying in an open ward which might be mixed-sex.

Physiotherapy

You get quicker access to physiotherapy sessions if you have insurance than you would through NHS treatment.

Specialist drugs and treatments might be available

Some specialist drugs and treatments aren’t available on the NHS because they’re too expensive or not approved by the National Institute for Health and Clinical Excellence in England and Wales (NICE) or the Scottish Medicines Consortium (SMC).

Why use Miles Rhodes

You’re protected

An important thing to understand is that when you receive mortgage advice, Miles Rhodes has a duty of care to you. We will recommend a suitable mortgage and be able to justify why the particular mortgage we have chosen is right for you.

In contrast, if you go directly to a high street mortgage lender, don’t take advice, and end up with a mortgage that later becomes unaffordable, you may not have so much legal recourse.

All our mortgage advisers are qualified

There’s an awful lot to think about when choosing the right mortgage. It’s not as simple as just opting for the cheapest fixed or tracker rate mortgage you can find!

Mortgage advisers have to be qualified to give you mortgage advice, whereas you may not get that kind of guarantee if you ring up a lender’s call centre.

We are on your side

Miles Rhodes will look for the best mortgage for you. We aren’t on the lender’s side, we are on yours, and we give you access to far more products than if you went direct.

You will get unbiased advice and will be able to choose from a range of lenders and subsequent products, rather than being restricted to the single range of the lender you go to.

We know the industry

Mortgage criteria has tightened massively over the last few years, with the Mortgage Market Review being the latest, and arguably widest-ranging, development.

It’s been designed to ensure borrowers can prove affordability, even in the event of a rate rise, and those extra checks have understandably increased application times.

Our Reviews

Matt Mckay

4 months ago

Nicky has been nothing short of exceptional throughout the entire process. My wife and i just purchased our first home, we had spoken with numerous other mortgage brokers but didn’t really have a great experience and then a friend recommended nicky and it’s the read more

Becky Davison

6 months ago

Liam made our whole experience as first time buyers extremely organised and stress free! He answered all of our questions very efficiently and nothing was too much trouble. He always found us the best prices and is very knowledgeable about his work! Will definitely recommend- thanks read more

Justin Gilham

3 days ago

We have used dave bates for many years for my mortgage and life insurance explains everything in detail and help with any questions i have had would highly recommend dave

S Aitchison

7 months ago

I can highly recommend vicky hasdell at miles rhodes. She guided me through my equity release loan and put me in touch with an excellent solicitor to complete the process.

Leah Thurston

4 months ago

Kevin is absolutely brilliant at what he does, the most stress free experience of sorting out mortgages, he goes above and beyond to help you, explains everything for someone who doesn’t have a clue about mortgages, kevin has helped us find our mortgage since 2017 and read more

Karen McGovern

7 months ago

Excellent service i could not have managed without andrew he went above and beyond as alwayshe’s extremely professional and yet friendly enough so that i feel safe knowing that what he achieves is the best for my circumstances at the timethank you so so much

Want to know more?

To find out more or arrange a meeting with us, please call
01362 423042, or email contact@milesrhodes.net