Frequently Asked Questions
Clear answers to help you make an informed decision about protecting your home.
What is mortgage protection insurance?
Mortgage protection insurance is a type of life insurance designed to pay off your outstanding mortgage balance if you die during the policy term. The payout typically goes to your lender or your beneficiaries, depending on the policy structure.
Is mortgage protection the same as life insurance?
Not exactly. Mortgage protection is a form of life insurance tied to your mortgage balance. As your mortgage decreases, so can the cover. Standard life insurance can provide a fixed lump sum for any purpose your family chooses.
Do I need critical illness cover too?
Critical illness cover pays out if you're diagnosed with a qualifying serious illness. It can be valuable if you want help clearing your mortgage or covering living costs while you're unable to work.
How much does mortgage protection cost?
Premiums depend on your age, health, smoking status, mortgage amount, and policy term. We compare options from trusted providers to find cover that fits your budget.
Can I get cover if I have existing health conditions?
Often yes, but it may affect your premium or policy terms. Some conditions lead to exclusions, while others have little impact. We help you disclose everything accurately so your cover is valid when you need it.
What happens if I move home or remortgage?
Many policies can be adjusted or transferred when you move or remortgage. It's a good idea to review your cover whenever your mortgage changes significantly.