Protection Hub Documentation
System Reference for AI Analysis
The Lynton Protection Hub is a digital platform built for Lynton Mortgages (sole proprietorship run by Rob Davies in Alsager, Cheshire). It automates the protection advice journey for mortgage clients — from initial risk assessment through to personalised recommendations and informed decision-making.
The platform is designed for a one-person mortgage advisory business that is part of the Just Mortgages network (Openwork). The target market is first-time buyers and first-time remortgagors in Alsager. The business model includes a fee-free option and a £345 fee option for extra work on purchases.
The Protection Hub exists to solve a specific problem: most mortgage advisers struggle to have meaningful protection conversations with clients. The traditional approach (a phone call or meeting where the adviser explains risks) is time-consuming, inconsistent, and often feels like a sales pitch.
This platform flips the model: clients are guided through a self-paced digital journey that educates them about their personal risks, collects their circumstances and preferences, and then receives personalised video recommendations from their adviser. The client makes an informed decision without pressure.
| Statistic | Source | Where Used |
|---|---|---|
| 1 in 2 people born since 1960 will be diagnosed with cancer | Cancer Research UK, 2025 | Reality Check interstitial before "What Worries You" section |
| 5-10% of people who leave work due to illness ever return to paid employment | UK Government Labour Market Statistics, 2025 | Reality Check interstitial before "Your Safety Net" section |
| 97.9% of protection insurance claims are paid out | Association of British Insurers, 2024 | Reality Check interstitial before "Your Priorities" section |
| £116.75/week Statutory Sick Pay | UK Government, current rate | Dynamic question in "Your Safety Net" section |