Mortgage Protection

Cover that secures your family home
Get advice & quote Call 0800 316 7253

Why Mortgage Protection Insurance?

  • Helps your loved ones stay in the family home
  • Ensures your family won't have to worry about missing repayments
  • It's peace-of mind that if you pass away the mortgage can be paid

Why expert advice makes the difference

  • Mortgage protection is a type of life insurance that runs alongside your mortgage. There are many products and options so best to speak with the experts
  • There are two main types of mortgage protection insurance: level term cover and decreasing term cover. Which is best depends on your mortgage
  • We'll explain how mortgage protection insurance can protect your loved ones from missed payments or repossession

Watch our Mortgage Protection video

Frequently asked questions about this type of policy

Level term policies offer the same amount of cover throughout the term of the plan. 

Decreasing term policies reduce cover to match the reducing debt of some types of mortgage, making them cheaper.

Don't worry - you're not tied into the cover for the life of your mortgage. You can change your cover whenever you like. If you change the amount of your mortgage, just make sure you review your mortgage life cover too as you might be under-protected - or hopefully be able to save a small fortune with a cheaper policy.

Mortgage life cover doesn't get paid directly to your mortgage lender it goes to the beneficiaries that you choose, unless otherwise arranged. 

That's fine. Partners don't have to be named on the mortgage in order to be covered. Your partner passing away could still have a financial impact on the household and vice-versa.

No, a lender won’t usually insist that you have a policy as a condition for accepting you for a mortgage. However, just because mortgage insurance is usually optional, it doesn’t mean that you should ignore it. Read this blog to find out more.
Yes, you can. Chances are, your family’s finances will suffer in the event of either you or your partner passing. Getting a joint policy will protect your home from either eventuality.

£119, 937 - the average outstanding mortgage balance

The average first-time buyer borrowed 3.45 times their income

Mortgage Protection - advice and guides

We've picked 3 guides we think you'd like, but you can visit the Advice & Guides hub for more.

How long does it take to buy a policy?

Did you know, most people can buy a protection policy immediately?! Find out the steps involved in this handy guide.
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The low-down on protection insurance

Protection insurance looks after your most important asset, take a few minutes to understand how in this handy guide.
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Types of life insurance explained

There are lots of different life insurance products, but which one is right for you? Find out here...

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Read the latest news and views in the LifeSearch Blog

Can I cancel my life insurance and get a refund?

Thinking about cancelling your protection insurance? Here’s what you need to know

Do I need life insurance or critical illness insurance?

Here we take a look at two popular insurance products and help you work out which one you might need

Life insurance trusts - they make sense

We think trusts are pretty cool! Find out our top three reasons why in this guide 

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Since 1998 we've protected more than 750,000 UK families

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£119, 937 - the average outstanding mortgage balance

The average first-time buyer borrowed 3.45 times their income

LifeSearch Limited is an Appointed Representative of LifeSearch Partners Limited, who are authorised and regulated by the Financial Conduct Authority. Calls may be monitored/recorded.