Mortgage Payment Protection
You’ve worked incredibly hard to get on the property ladder or move into your forever home, so don’t let injury or illness put it at risk. Securing the right protection means your mortgage payments can continue even if you’re unable to work.
Why You’ll Never Need To Look Elsewhere For Insurance
Completely Free Service
Our advice is completely free. Setting everything up for you? Yep, also free! There are absolutely no catches nor hidden fees, just expert support for you, your family and your home.
Save More Monthly
We work with all of the UK’s biggest insurers, so we’ll always match you up with the one that’s offering the best protection at the lowest monthly cost for your specific situation.
Lifetime Support
Life moves fast, and we’ll move with it. Whenever a new chapter begins, we’ll review your cover to ensure you’re always fully protected, meaning you’ll have peace of mind at all times.
Protect the place that matters most
Your home is so much more than just bricks and mortar; it’s where your children take their first steps, where you gather around the table with the people you love, and where you feel truly safe, whatever the world throws at you. Yet all of that rests on one thing: your ability to keep up with your mortgage payments. If injury or illness ever left you unable to work, Mortgage Payment Protection can help ensure that the life you’ve built stays exactly where it belongs.
*For insurance business we offer products from a choice of insurers
Don’t leave your home unprotected. We’ve got you covered.
Tailored advice built around your life and budget
Providing advice on mortgage payment protection isn’t as simple as having you answer a quick questionnaire before handing you the cheapest possible policy. Instead, it’s about making sure that if the worst happens, you, your family and your home are truly covered. A few extra pounds in your pocket today is cold comfort if your protection fails you when you need it most.
Of course, making sure it fits comfortably within your budget is just as crucial, and that’s why our dedicated protection advisors take the time to get to know you and your circumstances, so you can get the best of both worlds.
That dedication matters, especially when your situation isn’t straightforward. Most mortgage brokers handle protection as part of the package, and for simple cases that works perfectly well. But complex cases deserve a specialist who focuses on insurance and nothing else, which is exactly why we’ve built a team of them.
Frequently Asked Questions
Common exclusions include pre-existing medical conditions, voluntary resignation, being fired, stress, self-inflicted illness or injury, and redundancy known about before the policy started. Some policies also exclude short-term or contract workers. Retirement and pregnancy may be excluded unless complications arise.
We’ll talk you through all the details so that you have a complete understanding of exactly what your policy covers.
A Mortgage Payment Protection policy typically pays out a set monthly amount, usually capped at 65% to 70% of your gross monthly income. These tax-free payouts generally cover 100% of your mortgage payment plus an additional 25% for other household bills, and usually last for 12 to 24 months.
Some insurers offer mortgage payment protection for self-employed people, though options are more limited. Cover for redundancy may not apply in the same way, but accident and illness cover is often available.
Still have questions?
Reach out to us anytime for assistance.
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