Protection
Mortgage Protection Advice
Your home is probably your biggest asset — and your largest monthly bill. Mortgage protection keeps the roof over your family's head if life takes an unexpected turn.
Why Choose Us
Cover that matches your loan, not a sales target
Lender-sold mortgage protection is often more expensive and less flexible than the wider market. We compare a broad panel of insurers to find cover that matches the term, balance and structure of your actual mortgage.
- We have access to a broad panel of providers, not just your lender's
- Decreasing, level and combined life + critical illness modelled
- Joint or single life structures with full payout vs first-claim explained
- Trust arrangement included at no extra cost
- Reviewed automatically when you remortgage or move home
Trusts are not regulated by the Financial Conduct Authority.
Your Journey
A straightforward process
Mortgage Review
We capture the loan balance, term and repayment type so cover lines up perfectly.
Cover Shaping
We model decreasing vs level, single vs joint, combined vs separate and pick what fits.
Application
We submit, manage underwriting and arrange the policy in trust where appropriate.
Aligned Cover
Policy issued alongside your mortgage with a clear schedule and claim contact.
FAQs
Common questions
What is mortgage protection?+
It's a generic term for cover designed to clear or maintain your mortgage if you die, become seriously ill or can't work. It typically combines decreasing-term life insurance with optional critical illness or income protection.
Is it the same as buildings insurance?+
No — buildings insurance protects the property itself against damage. Mortgage protection protects the people paying the mortgage. Most lenders insist on buildings cover; mortgage protection is your choice.
Decreasing term or level term?+
Decreasing term reduces in line with a repayment mortgage and is usually cheaper. Level term is better suited to interest-only mortgages or where you want a fixed legacy. We'll match the structure to your loan.
Can I combine life and critical illness?+
Yes — combined cover often costs less than two standalone policies. We'll compare combined vs separate and explain the trade-offs around 'first claim wins' structures.
Do I need new cover if I remortgage?+
Not necessarily. Existing cover can usually continue, but we'll check sum assured, term and definitions still match the new mortgage — often it makes sense to top up rather than restart.
Protect the home you've worked for
Find out whether your existing cover still matches your mortgage — or what a market quote would look like.