“Brill advisor helping us with our first house 👌”
Protection
Protect your home. Protect your future.
A mortgage is one of the biggest commitments you'll ever make. Mortgage protection gives you confidence that, if the unexpected happens, you and your family can keep your home without financial strain. I explain your options in plain English and recommend cover that fits your life and your budget, no hard sell, just sensible advice.
What is mortgage protection?
"Mortgage protection" is an umbrella term for a few types of insurance designed to help cover your mortgage if you die, become seriously ill, or can't work due to illness or injury. The right mix depends on your circumstances, your loan size and term, and any benefits you already have through work.
Life insurance
Pays a lump sum if you die during the policy term. Level term keeps the payout fixed; decreasing term usually tracks your reducing mortgage balance, often the most cost-effective choice for repayment mortgages.
Critical illness cover
Pays a tax-free lump sum on diagnosis of specified serious conditions, as defined by the insurer, helping you reduce or clear the mortgage and cover treatment or lifestyle changes.
Income protection
Replaces part of your income if you're unable to work due to illness or injury for a prolonged period. You choose a deferred period to sit alongside any sick pay, with payments continuing until you're back at work or the policy ends.
Family income benefit
Instead of a lump sum, this pays a monthly income to your loved ones if you die during the term, an affordable way to match household bills and mortgage payments.
As with all insurance, terms, conditions and exclusions apply.
How much cover do I need?
I'll help you strike a balance between sensible protection and affordability. Typically we look at:
- Your outstanding mortgage and remaining term
- Whether the mortgage is single or joint
- Your income, bills and dependants
- Any work benefits, such as death-in-service or sick pay, and existing policies
- Whether you'd prefer a lump sum or a monthly income benefit
What affects the cost?
Premiums are influenced by age, health and medical history, smoker status, occupation, policy length and sum insured, and for income protection, the deferred period and benefit length. I'll compare providers and structures to keep cover effective and good value.
Reviews
See what clients think
“Makes the process really easy for you, will advise and help with any queries during the buying process which was a big help.”
“Highly recommend Craig to anyone, helped me and the missus with our first house, called us to explain things every step of the way and put our minds at ease when we were worrying we’d never get accepted for a mortgage as first time buyers. Very knowledgable and professional, always offering support when needed. Appreciate it Craig, all the best!”
Please note: This website is for information only and does not constitute advice. Your home may be repossessed if you do not keep up repayments on your mortgage.
Want protection that's clear, realistic and affordable?
Speak to me for a free, no-obligation chat. I'll map your risks, check existing cover, and recommend sensible next steps.