Cover designed around your mortgage
Your mortgage is often your biggest financial commitment. Mortgage protection gives peace of mind that your home will be secure, even if illness, death, or loss of income occur.
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Mortgage protection typically combines life insurance, critical illness cover, and income protection. It ensures your mortgage can continue to be paid or cleared if you pass away, become seriously ill, or are unable to work.
Mortgage protection helps ensure your mortgage can still be paid if you were to die or become seriously ill, protecting your home and your family.
It’s best arranged when you take out a mortgage, or whenever your circumstances change.
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
HM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen.
Life protection – pays out a lump sum to help clear your mortgage if you pass away during the policy term
Critical Illness Cover – provides a lump sum on diagnosis of a serious illness, which can be used to pay off or reduce your mortgage.
Income protection – replaces part of your income if you cannot work due to illness or injury, helping you keep up with monthly mortgage payments.
We explain the options clearly and build cover that matches your mortgage term and monthly repayments, so you know your home is always protected.
We align cover with your mortgage balance, term, and repayment structure. Our advisers review an extensive panel of providers to recommend flexible, cost-effective solutions and ensure cover can adapt if your mortgage or circumstances change.
Contact an adviser todayNo, lenders do not require it. But many people choose it to safeguard their family home.
Not exactly. Mortgage protection can combine life, critical illness, and income protection. It is designed specifically to cover mortgage payments.
If both incomes are needed to pay the mortgage, it is usually wise for both partners to have cover.
It depends on the policy. Some pay a lump sum to clear the balance, others provide regular payments towards your monthly repayments.
Yes. Many policies allow you to review and update cover if you move house or change your mortgage.
Many policies are portable, meaning you can update the cover to reflect your new mortgage.
Our team of advisers is on hand to help with your protection & insurance needs
