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For most of us, our mortgage is likely to be the biggest expense we have in our lifetime, so it pays to think about what would happen if you could no longer pay it. Sadly, as we all know, sometimes things don’t go according to plan, and our lives can be turned upside down.

One of the most compelling arguments for families taking out protection policies is to ensure that their families are able to carry on paying the mortgage in the event of an illness, long-term sickness, accident or death. With a policy in place, there would be an income or a lump sum available to them to keep a roof over their heads, meaning that they wouldn’t be burdened with money worries at a difficult time.


A recent survey1 amongst mortgage holders found that 42% don’t have a life insurance policy in place, 71% have no critical illness cover, and 81% don’t have any income protection in place.

Whilst many people realise that having a policy in place would provide valuable peace of mind, taking out a policy is a task that never quite gets to the top of their priority list; 20% of full-time working people questioned for the survey recognised that they would benefit from having insurance protection, but hadn’t got around to arranging it.

Getting the right policy in place needn’t be stressful or time-consuming. We will be able to review the market and recommend a policy that’s cost-effective and provides the right type and level of cover for your circumstances.

1Royal London, State of the Protection Nation, 2018

A mortgage is a loan secured against your home or property. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.

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