Mortgage protection insurance is designed to clear your mortgage balance, or maintain payments, if you die or are unable to work — sized to match your actual borrowing.
Rather than a generic protection policy, mortgage protection insurance is structured specifically around your mortgage — the amount, and the type of cover (level or decreasing), reflects your actual balance and repayment structure.
We'll compare this against standalone life cover and income protection to make sure you're getting the most appropriate cover, not just the first policy offered.
No, though most lenders will recommend it — it's not a condition of the mortgage itself in most cases.
Mortgage protection is typically structured to decrease in line with your mortgage balance; standard life cover can be level or decreasing, and isn't tied specifically to a mortgage.
Yes — this is worth discussing directly, since a single policy or a combination might suit you better depending on your situation.
Tell us what you need and we'll come back to you directly — usually the same day.
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