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Mortgage Protection and Insurance

The range of mortgage protection products available in today’s market are designed to help individuals meet their mortgage commitments in the event of long term illness, unemployment, critical illness or death.

Considering mortgage protection and insurance is a necessity if you fall into any of the following brackets:

  • You have a partner
  • You have children who are dependent on you
  • You have any ageing relative’s dependent upon you for support
  • Your pension or savings will not be enough to protect your dependents should you pass away
  • You are single and do not have someone to help you pay your mortgage if necessary

If you have any queries on which insurance product you require then please contact us directly and we can review your current insurances and guide you accordingly if changes need to be made. As always, our initial appointment is free of charge with no obligation.

Can I protect my mortgage if I lose my job?

Yes, you can. Protecting your mortgage against accident, sickness and unemployment can be done but only after the mortgage has been agreed and a mortgage offer has been produced. We can not do this as part of our initial recommendations. To discuss this in greater details please contact us on 01642 671747 or email

Is insurance expensive?

It depends on what insurance you want. You are 4 times more likely to get a critical illness than die. It works out around 4 times more expensive than a basic life cover policy. A decreasing term assurance can be very cheap but before you go over the costs a few basic questions need answering about your lifestyle and medical condition. Of course, It can be more expensive if you are a smoker or do any extreme sports.

An additional option to life cover is accident cover and some providers offer a variety of choices on this starting at £7 a month. All these need to be reviewed and, much like everything we do here we get to know you and what you want. Is the mortgage the best thing to cover or should you be looking to leave the family some money if something happened to you, either unable to work or perhaps not around to support them anymore?

How can I get Cover?

First thing to do is arrange an appointment for one of our advisers to go over the different options with you. The appointment is free and you are under no obligation to accept any recommendations given. Give us a call on 01642 671747 to give you an idea of what type of cover you may need. We can arrange to get some figures for you to suit any budget.

Get in touch today, call us on 01642 671747 or email us Contact Us

Looking For Some Help?

Fill out the form below or give us a call on 01642 671747 and a member of our team will be more than happy to answer any questions you may have.