Mortgage Protection

Mortgage protection is designed to help safeguard your home by providing financial support if you are unable to meet your mortgage repayments due to death, serious illness, or loss of income. It typically combines life insurance, critical illness cover, depending on your needs. Mortgage protection is not a savings or investment product and will only pay out if specific policy conditions are met.

We provide clear, tailored advice to help you understand which types of protection may be appropriate for your mortgage and personal circumstances. Recommendations are made in line with FCA regulations and take into account your mortgage balance, term, income, and family commitments. Protecting your mortgage can form an important part of responsible long-term financial planning.

It is important to understand the terms, conditions, and exclusions that apply to each policy. We ensure you are fully informed about costs, benefits, and risks so you can make confident, informed decisions. Regular reviews may be recommended, particularly when your mortgage or personal circumstances change.

• Review your mortgage and commitments
  We assess your mortgage balance, term, and monthly repayments alongside your wider financial responsibilities.

• Explain suitable protection options
  We guide you through life insurance, critical illness cover, and income protection, explaining how each may support your mortgage.

• Tailor cover to your circumstances
  We help structure cover that aligns with your needs, budget, and future plans.

• Support with applications and underwriting
  We assist with completing applications and liaise with insurers to ensure the process runs smoothly.

• Provide ongoing review and support
  As your mortgage or circumstances change, we remain available to review and update your protection.