Mortgage Protection Insurance

PROTECT YOUR HOME WITH THE RIGHT COVER

FREE QUOTE

Mortgage protection insurance clears your outstanding mortgage if you die during the term, protecting your family's home. Because we compare across insurers, most people can save significantly versus taking their lender's default policy.

Book a Consultation Call 01 679 0990

Scope

We can help you with

New mortgage cover Switching existing policies Joint & dual cover Serious illness add-ons Cover for smokers & medical histories Free comparison quotes

What we do

Compare mortgage protection quotes from leading insurers.
Check whether switching could reduce your current premium.
Advise on joint, dual and single cover options.
Explain optional extras like serious illness cover.
Manage the application so cover is in place for drawdown.

Let's Talk

Why book a mortgage protection insurance?

Your lender will offer you a policy, but you are not obliged to take it — and shopping around often means real savings for identical cover. As a broker we do that comparison for you in minutes.

If you already have a policy, it's worth a review: premiums have fallen over recent years, and switching mid-term is usually straightforward if you're in good health.

Good to know

Mortgage Protection Insurance FAQs

Is mortgage protection compulsory?+

In most cases lenders require it before drawdown, though there are limited exemptions. You can buy it from any insurer, not just your bank.

What's the difference between mortgage protection and life insurance?+

Mortgage protection is a decreasing-term policy that tracks your mortgage balance; life insurance pays a fixed lump sum. Mortgage protection is usually the cheaper option.

Can I switch my existing policy?+

Yes — if you're in reasonable health, switching can often reduce your premium for the same cover.

Does the payout go to my family?+

The policy clears the mortgage directly, which means your family keeps the home debt-free.

Warning: Past performance is not a reliable guide to future performance.

Warning: The value of your investment may go down as well as up.

Warning: If you invest in these products you may lose some or all of the money you invest.

Keep exploring