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Mortgage and protection planning, built into FE CashCalc

FE CashCalc is the only cashflow planning software that brings mortgage, protection and financial planning together in a single plan.

Model real client scenarios visually, cut meeting admin by up to 50% with the Nexus Assistant and build a compliant audit trail as you work. One place to enter client data. One complete financial picture. 

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Start your free 28-day trial  Already a customer? Mortgage and protection is added to your account automatically, with the platform and mortgage calculators from 30 June 2026 and the protection calculators arriving through July. 

SOLUTIONS INSTI – Research & Insights 1

The advice gap mortgage and protection advisers know too well 

Mortgage and protection firms rarely model scenarios when giving advice, because the right tools simply did not exist. Advisers work across fragmented systems that do not talk to each other. That means manual re-keying, slow client journeys and compliance gaps around vulnerability monitoring. 

The cost is real. Clients struggle to see how a mortgage decision connects to their wider financial future, so the value of protection is harder to demonstrate. Under Consumer Duty, evidencing good outcomes across every conversation becomes another layer of admin. The result is less time for advice and more risk for your firm. 

One plan for mortgage, protection and the wider financial picture

FE CashCalc gives mortgage advisers and holistic financial planners 10 built-in calculators and stress tests to model real-life scenarios with clients. Mortgage and protection figures feed directly into net forecasts, equity and liability projections and yearly breakdowns, alongside investments, pensions and life events. 

For advisers who cover the full journey, that means one place to enter client data, one client portal and one complete financial picture. You spend less time preparing and more time advising. 

Client details, income, expenditure and saving pots are captured once, through the fact-find or the client Info page, then flow into every calculator. The platform handles repayment, interest only and part and part mortgages, with fixed and variable rates, fees and overpayments, so each plan reflects the client's real arrangement. 

  • Cut meeting admin by up to 50% with Nexus Assistant 

    Nexus for Financial Advisers, which includes an AI meeting assistant, records client conversations and extracts fact-find information automatically through an open API. There is no rekeying and no chasing notes after the fact. Advisers get up to 50% of their meeting admin time back, and follow-up templates can be trained to whatever outputs your firm needs. 

  • Evidence Consumer Duty as you work

    Nexus identifies vulnerability signals across every client interaction automatically, without you needing to lift a pen. Audit trails and compliant documentation are captured in the meeting, not after it. You meet your Consumer Duty obligations as part of the advice process, rather than as an afterthought. 

  • Built for every kind of adviser

    Mortgage advisers get professional tools to model mortgage and protection scenarios and reduce the admin that bleeds into their evenings. Holistic financial planners connect a remortgage decision to a client's long-term plan without rekeying across separate tools. Larger firms and networks get a single platform across both mortgage and financial advice teams, with consistent workflows, oversight and audit trails. 

Sell more protection, more confidently 

With the built-in calculators, you can see at a glance which protection a client already holds and where they are exposed. Model scenarios side by side, with and without cover, to show the real financial impact of critical illness, income loss or a rate rise. You can even show how a payout could clear the mortgage and where the remainder would go. Clients who can see the numbers understand the risk and are more likely to act on your advice. 

The protection needs analysis works out how much cover or benefit a client needs. It quantifies the shortfall they would face on death, serious illness or being unable to work over a chosen horizon, then suggests which product in the suite fits. 

✔️ Mortgage overpayments 

✔️ Mortgage rate rise 

✔️ Reduced income 

✔️ Unemployment 

✔️ Life insurance 

✔️ Income protection 

✔️ Family income benefit 

✔️ Critical illness cover 

✔️ Combined life and critical illness cover 

✔️ Protection needs analysis 

Mortgage overpayments and mortgage rate rise are available from 30 June 2026. The eight protection calculators arrive through July 2026. 

Why advisers choose FE CashCalc

FE CashCalc also saves around two hours per digitally onboarded client, and an adviser with an average number of clients could save around £35,000 a year. It is trusted by thousands of UK advice firms and is part of FE fundinfo, navigating complexity with confidence.

  • 848 k

    cashflows

    created and counting

  • ≤ 50 %

    less meeting admin

    with Nexus

  • 10

    built-in

    mortgage and protection calculators

  • 12

    back-office

    integrations

"I am a big fan of FE CashCalc and the efficiencies it brings. It is a great feeling having the app and getting a notification that another new client has onboarded themselves. Work smarter not harder!"

—FE CashCalc user
SOLUTIONS INSTI – Document Production 1

Availability and rollout

Create an account and get full, unrestricted access to the tools available during your trial, free for 28 days. Existing FE CashCalc users will have mortgage and protection added to their account automatically, with the connected platform and the two mortgage calculators from 30 June 2026 and the eight protection calculators arriving through July 2026. There is no setup required. 

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FAQs

Frequently asked questions

It is a set of mortgage and protection planning tools built into FE CashCalc, the UK's market-leading cashflow modeller. It adds 10 calculators and stress tests so Advisers can model mortgage and protection scenarios inside a client's wider financial plan. 

10 calculators and stress tests are included. They cover mortgage overpayments, mortgage rate rise, reduced income, unemployment, life insurance, income protection, family income benefit, critical illness cover, combined life and critical illness cover, and a protection needs analysis. 

Nexus Assistant is the AI-powered agent within FE CashCalc. It records client conversations and extracts fact-find information automatically through an open API, giving Advisers back up to 50% of their meeting admin time and building an audit trail as they work. 

Nexus identifies vulnerability signals across client meetings automatically and captures compliant documentation and audit trails during the meeting. This helps Advisers evidence good client outcomes as part of the advice process. 

Existing users will have mortgage and protection added to their account automatically, with the connected platform and the two mortgage calculators from 30 June 2026 and the eight protection calculators arriving through July 2026. There is no setup required and no extra cost. New users can access the tools through a free 28-day trial.