Nexus IFA Ltd



John McKee is a qualified Mortgage & Protection Adviser specialising in Equity Release, with Nexus IFA with over 25 years experience. John provides a full recommendation and advice service, offering impartial independent mortgage and protection advice in a personal, friendly manner. John's qualifications include the Certificate in Mortgage Advice & Practice and the Certificate in Equity Release.

For most people, buying a home will be the largest single investment they will ever make, so choosing the right mortgage is also just as important as choosing the right property .

John offers a no-obligation, face-to-face initial appointment in the comfort and convenience of your own home, at a time that is convenient to you. He will explain the different mortgage options available at a pace you feel comfortable with.

As Nexus are not tied in to any lender our Advisers are able to recommend a solution tailored to your own individual circumstances, searching through a comprehensive range of mortgages from the whole market, to find the best one for your needs. We also have access to mortgage products at exclusive rates not found on the internet or on the high street.

  • First Time Buyer Mortgages
  • House Purchase
  • Remortgaging
  • Buy to Let Mortgages
  • Self Build Mortgages
  • Self-Employed /Company Director Mortgages
  • Equity Release / Lifetime Mortgages

Arrange a free initial consultation - Contact John McKee

Mortgage & Affordability Calculators

How much can you borrow?

This calculator will help you estimate how much you can afford to borrow to buy a home. It’ll work it out by looking at your income and your outgoings. Mortgage lenders will look at these figures very closely to work out how much they’ll offer you.

Calculate your monthly mortgage payment

This calculator is a guide to how much you'd pay each month. The exact amount will depend on the type of mortgage and the lender.

Stamp Duty Calculator

Calculator the Stamp Duty on your residential, Buy to Let, or additional/second home property.

Clicking the calculator links above opens a separate browser window or tab to an external webpage not part of this FCA regulated website.

Buying your first home can be both an exciting experience and, as your first large financial commitment, a daunting prospect. We can help you navigate the path to home ownership without losing your way with the number of mortgage offers available.

Purchasing another house and moving home is always a stressful experience, but the hassle can be minimised by being as well prepared as possible. Seeking expert advice can take all the hassle and stress out of choosing and arranging the right mortgage.

When remortgaging getting expert unbiased advice can be crucial in finding the most suitable mortgage deal out of the many remortgage products available. Many of these may offer a free valuation and/or free legal fees, while others also have no arrangement fees.

For any Buy to Let* investor ensuring you get the best value mortgage is a key concern. So whether you are an experienced landlord with a large portfolio or looking to make your first Buy to Let investment, why not arrange a free initial consultation to discuss how we are able to help.

We are able to help company directors and the self-employed find the most suitable mortgage given their particular circumstances. Maybe your company is relatively new without many years of accounts, or you work on short term contracts, or have irregular income levels. We have access to lenders that specialise in these type of mortgage applications and will advise you on the most suitable mortgage available for your circumstances.

If you are looking for clear impartial mortgage advice in Peterborugh or surrounding areas, then get in touch to arrange a free initial consultation.

Arrange a free initial consultation - Contact John McKee

*Some forms of Buy to Let mortgages are not regulated by the Financial Conduct Authority (FCA).


Introduction to Mortgages

You can afford your mortgage now, but what if..? (MAS)


A mortgage is a loan secured against your home or property. Your home may be repossessed if you do not keep up repayments on your mortgage.

Please Note: Some forms of Buy to Let advice are not regulated by the Financial Conduct Authority (FCA).

Financial Protection


Have you ever thought about how quickly your life and circumstances can change?

Most of us would agree that it's important to make sure that in the event of the worst happening, the one thing you don't want to worry about is money. We may not like to think about the possibility of accidents, illness or death, however consider how financially secure would you or your loved ones be if your income was to suddenly disappear? As the old saying goes: 'prepare for the worst, hope for the best.'

It is a common misconception that the State will look after us from cradle to grave. The truth is, if you or your loved ones become reliant on state benefits, your standard of living and lifestyle might suffer, and you could even end up losing your home. When buying your own home, it's important to ensure that you have the right financial protection in place as well.

John McKee offers independent advice that will enable you to protect both your home and your loved ones in the event of sickness, death or serious illness. He will not only help you to understand why this is important, but will also explain your options and how protection products can be used to protect your loved ones and lifestyle in the event of unforeseen circumstances.

What are Financial Protection Policies?

There is a bewildering range of different financial protection policies all with different options available. Expert advice is invaluable in helping to design a protection solution that meets your individual needs as well as your budget.

Life Insurance

Life Insurance is a simple contract that provides either a lump sum or a regular income over a specific term. The contract can be written on either a joint or single life basis. This type of cover is usually used in the event of the death of a breadwinner, and will cover debts, or provide dependants with a regular income or lump-sum to invest.

The plan will have no cash in value at any time, and will cease at the end of the term. If premiums are not maintained, then cover will lapse.

Family Income Protection Benefit

Family Income Protection Benefit insurance protects the policyholder’s family by ensuring that they have a regular monthly income in the event of the policyholder’s death or diagnosis of a specified serious illness.

The plan will have no cash in value at any time, and will cease at the end of the term. If premiums are not maintained, then cover will lapse.

Income Protection

Income Protection provides a replacement income should the policyholder be unable to work due to sickness or an accident. Typically, policies will cover up to 75% of your income after a specific period of not being able to work, i.e. deferred period of one month, three months or six months. These policies will normally continuing paying out until you return back to work or retire.

The plan will have no cash in value at any time, and will cease at the end of the term. If premiums are not maintained, then cover will lapse.

Critical Illness Cover

Critical Illness Cover pays out either a lump sum or regular income should the policyholder be diagnosed with a specific critical illness which has been pre-agreed from a list, and which occurs in a specific period of your life. You do not have to die from the illness to receive the payout. This type of policy can be useful for covering debts such as your mortgage or providing short term cover for illness.

The policy may not cover all definitions of a critical illness. For definitions of illnesses covered please refer to the Key Features and Policy Documents.

Mortgage Payment Protection Insurance / ASU cover

Mortgage Payment Protection Insurance, or Accident, Sickness and Unemployment cover (ASU), are short term, time limited, income protection policies, that will only pay out for a set period (from a few months to a couple of years). This kind of policy is particularly useful if you are concerned about how you'd cope financially in the event that you lost your job through redundancy, or were unable to work while you recovered from a serious accident or ill health. The cover you take out can be specific to a debt or mortgage amount so that repayments will continue to be made for the period of time covered.

Business Protection

All the employees of a business are important, but the death or serious incapacity of a director or key member of staff can have a devastating effect on a smaller business which might rely on that key individual to keep it running. There are several different types of policy available, with an array of options to cover various circumstances, but a Keyman policy for example, can provide a cash injection to a business in the event of the 'loss' of a key person. This money can then be used to hire a temporary replacement or to help cover a loss of profits until a new person is in place.

Arrange a free initial consultation - Contact John McKee


Introduction to Life Insurance

Protecting Your Income

Introduction to Home Insurance