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Make sure your mortgage is paid off – whatever happens
Mortgage Protection Cover is a life policy that decreases in line with your mortgage. It is the most basic type of life cover that you can have. It means that your mortgage is always covered if you die.
How we work
Many brokers will claim to offer ‘whole of market,’ but that may just mean that they offer every kind of product, but that they are all from the same insurer. Independent means that we can offer every kind of product from every insurer.
Benefits
- A single point of contact at all times
- Advice from as early in the process as you need
- Access beyond us to over 30 experienced advisors for the more obscure questions
- Access to every type of product from every insurer – we are truly independent
- By your side all the way – to the moment you move in and beyond
- Annual reviews at the very least
Why choose us
Sometimes it seems that there are almost as many financial advisors as there are financial products. Why should you choose us. We think there are many reasons of course, but among the most important are the following:
- We are truly independent and can access the whole of the market.
- We are advisers, not salespeople.
- We are transparent in our costs and fees.
- Our extraordinarily high rate of returning customers shows that people enjoy dealing with us.
This last is perhaps the most important. The proof of the pudding is in the eating. If we did not give our customers great service, they simply would not return.
Your personal and corporate protection specialist
Coran Stubbington
Coran worked as a bank manager for 20 years, on the South Coast and in London. She was made redundant in 2019, moved into the world of Business Development Management, joining Protection and investment in 2023. She is delighted to return to her roots to selling financial services, which is something she has done for 27 years. She specialises in protection, especially for business owners and teams, helping owners protect the business, themselves, their family and their staff. She has teenage twins – a boy and a girl – and a dog called Branston. She loves hosting events.
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Joe Bloggs, Managing Director
FAQs
Is mortgage protection insurance legally required?
No, it is not a legal requirement. Legally, the only insurance mandated to secure a UK mortgage is buildings insurance. However, many lenders stipulate mortgage life cover as a mandatory condition in their formal lending criteria.
What are the main types of mortgage protection?
Firstly, Mortgage Life Insurance (Decreasing Term): the payout value decreases over time, explicitly tracking your reducing repayment mortgage balance. It is the cheapest option. Secondly, Level Term Life Insurance: the payout remains fixed. This is ideal for interest-only mortgages where the principal loan debt never drops. Thirdly, Critical Illness Cover: provides a tax-free lump sum if you are diagnosed with a specific medical condition listed in your policy documents (e.g., stroke, heart attack, or cancer). Lastly, Income Protection / MPPI: pays a monthly percentage of your earnings or a set cash amount if an injury, long-term illness, or redundancy leaves you unable to work.
How long does a policy last?
The coverage usually matches the exact remaining timeline of your home loan (e.g., a 25-year policy term for a 25-year mortgage).
What is the difference between Mortgage Protection and PPI?
They are entirely different products. Payment Protection Insurance (PPI) was historically attached to various short-term personal loans and paid funds directly to the lender. Mortgage protection covers home loan debt specifically, and monthly claims are paid straight to you so you can control how funds are distributed.
Let’s talk about your financial goals
For a detailed, confidential and without-obligation discussion, please get in touch.
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