What happens to your home if you can't pay the mortgage?
Your mortgage is almost certainly your biggest financial commitment. But most people insure their car without a second thought and never give their mortgage a second one. If you died, or were diagnosed with a major illness, could your household keep up the repayments? The right protection means the answer is yes. If you're also concerned about protecting your income should illness or injury stop you working, we can help with income protection too.
Why it matters
Your home deserves more than hope
Most people assume things will be fine — until they aren't. Mortgage protection cover is designed to step in exactly when you need it most, keeping a roof over your family's head when life takes an unexpected turn.
Pays off or covers your mortgage if you die during the term
Gives your family financial security at the worst possible time
Often far more affordable than people expect
We explain all options clearly so you only pay for what you need
Life cover / term assurance
The most direct form of mortgage protection — pays out a lump sum if you die during the mortgage term, which can be used to clear the outstanding balance entirely. Available as level or decreasing cover to match your mortgage type.
Critical illness cover
Pays a tax-free lump sum if you're diagnosed with a major illness such as cancer, heart attack or stroke. Often added alongside life cover so that a major diagnosis doesn't cost you your home, even if you survive it.
Joint cover
If you have a mortgage with a partner, joint life cover pays out on the first death — often the most cost-effective way for two people to protect a shared mortgage. We'll help you weigh this against two separate policies to find the best fit.
The right cover depends on your mortgage — not a generic off-the-shelf policy
A repayment mortgage decreases over time, so your cover needs can change too. An interest-only mortgage never reduces. Joint mortgages have different risks from sole names. We take the time to understand your specific mortgage — the type, the term, the balance — and recommend protection that actually matches it, rather than selling you something that sounds right but leaves gaps.
For impartial information about insurance, please visit the Money Advice Service website at www.moneyadviceservice.org.uk
As with all insurance policies, conditions and exclusions will apply.
Getting started
How it works — four simple steps
1
Free consultation
Call or email us — no obligation, no jargon. We listen to your circumstances and explain your options clearly.
2
Needs assessment
We assess your income, outgoings, dependants and existing cover to identify any gaps in your protection.
3
Recommendation
We present our recommendation with a clear written report — no pressure, just honest advice about what we think is right for you.
4
Application
We handle all the paperwork and keep you updated throughout — and we're here to help if you ever need to make a claim.
Setting the record straight
Mortgage protection myths — busted
These are the reasons people put off protecting their mortgage. Here's the truth behind each one.
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Myth
"My employer's death in service benefit will cover the mortgage."
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Reality
Death in service is usually 2–4× your salary — rarely enough to clear a mortgage, and it disappears if you change jobs. It also provides nothing if you're diagnosed with a major illness.
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Myth
"I'm young and healthy — I don't need to worry about this yet."
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Reality
Being young and healthy is exactly when cover is cheapest. Waiting until you're older — or until a health condition emerges — can make cover significantly more expensive or harder to obtain.
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Myth
"It's too expensive — we're already stretched on the mortgage."
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Reality
The real question is whether you can afford not to have it. Without enough savings to cover your mortgage, this isn't an optional extra — it's what keeps your family in their home.
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Myth
"The insurance my lender offered when I took out the mortgage is fine."
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Reality
Lenders are not protection specialists. The policy offered at the point of sale is rarely the most suitable or the best value. An independent review often finds better cover at a lower premium.
For impartial information about insurance, please visit the Money Advice Service website at www.moneyadviceservice.org.uk
As with all insurance policies, conditions and exclusions will apply.
Make sure your home is protected. Talk to us today.
No obligation — just honest, expert advice from a qualified Scottish protection advisor.
The information on this page is for guidance only and does not constitute personal advice. For impartial information about insurance, please visit www.moneyadviceservice.org.uk
Initial consultations are free of charge and carry no obligation. However, a broker fee may be payable upon application for mortgage or insurance products. We will always make any applicable fees clear to you before you proceed.
Why not request a callback from our experts today?