When you take out a mortgage, we’ll need to think about the repayment method, interest rate and special features of some mortgages

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Mortgage Protection

Mortgage Protection
It is important that you protect your home and mortgage with suitable insurance policies. We offer insurance products from the whole market so we can help you with this.

Insurance to consider:

  • Is the mortgage debt insured in the event you die or are diagnosed with a critical illness?
  • Is your income protected so if you are unable to work due to accident or injury you can still pay your mortgage?
  • Are your buildings and contents insured in the event of theft, fire, flooding and accidental damages?
  • We are happy to discuss any insurance need with you so feel free to give us a call.

There are other providers of Payment Protection Insurance [Short-Term Income Protection] and other products designed to protect you against loss of income. For impartial information about insurance, please visit the website at www.moneyadviceservice.org.uk (this link will take you to another website).







Mortgage Protection FAQs

  • Do I have to have life insurance to cover my mortgage?
  • How would I repay my mortgage if I was unable to work?
  • Can I insure my income for my family?
Lenders highly recommend protecting your mortgage with life cover. Although it may not be a requirement of your mortgage, we highly recommend you have life insurance to at least cover your mortgage balance.
You can get insurance policies that either protect your income or protect the mortgage payments in the event you were unable to work. Your mortgage adviser is fully qualified to provide insurance advice too.
You can use a Family Income Benefit policy or Income Protection to protect your income. Family Income Benefit pays an income out on death (life insurance), Income Protection pays an income out on sickness.