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Appointed Representative of The Right Mortgage Network (FCA No. 1004260). Company No. 15189091. Registered in England and Wales.
Income
"If you couldn't work, could you still pay the mortgage?"
Mortgage protection covers your monthly mortgage payment if you're unable to work due to accident, sickness, or unemployment. It's focused, affordable, and designed to do one job well.
What is mortgage protection insurance?
Unlike income protection, which replaces a broader portion of your salary, mortgage protection is specifically designed to cover your mortgage repayment each month. This keeps the policy focused and often more cost-effective.
Some policies, including those underwritten with level underwriting, agree your monthly benefit upfront so it doesn't change — giving you certainty about what you'll receive if you need to claim.
Policies typically pay out for up to 12 or 24 months, making them ideal for those who want targeted cover without a higher premium.
Who needs this?
- You want affordable protection focused on your mortgage
- You're concerned about redundancy as well as illness
- You already have income protection and want complementary cover
- You want certainty about the exact amount you'll receive
What's covered
The detail that matters
Covered
Monthly mortgage payment if you can't work due to accident or sickness
Redundancy cover available on some policies
Level underwriting available — payout agreed upfront
Typically pays for up to 12 or 24 months
Not covered
Long-term illness beyond the policy payout term (see income protection)
Pre-existing conditions not disclosed at application
Self-inflicted injury
Common questions
Things people ask us
What's the difference between mortgage protection and income protection?
What does level underwriting mean?
Does it cover redundancy?
Ready to get started?
Book a free, no-obligation appointment.
Straight advice, no jargon.
Straight advice, no jargon.
Also Consider
Products that work well alongside this
Life Insurance
Life insurance gives you peace of mind that the people you love will be looked after when you're gone. A policy pays out a lump sum on death, giving your family financial breathing room at the hardest time.
Learn more
Home Insurance
Home insurance covers two things — the building itself and everything inside it. If you have a mortgage, buildings insurance isn't optional. Your lender will require it as a condition of the loan.
Learn more
Income Protection
If you couldn't work tomorrow, how long could you manage? Income protection pays you a monthly income if you're unable to work due to illness or injury — for as long as you need it, not just a few months.
Learn more