Mortgage Protection Insurance & Payment Protection Advice

Mortgage protection insurance plays a critical role in safeguarding your home, income, and family if your circumstances change. Whether due to illness, injury, or loss of income, the right protection can help ensure your mortgage remains affordable when it matters most.

At The Mortgage Broker, we provide clear, professional mortgage protection advice designed to sit alongside your mortgage, not as an afterthought. Our protection advisers take the time to understand your mortgage, financial commitments, and personal circumstances before recommending suitable protection options. The aim is not to sell policies, but to help you put the right cover in place with confidence and clarity.

Expert Mortgage Protection Advice Tailored To Your Circumstances

Choosing the right mortgage protection insurance is not about selecting a single product or policy type. It is about understanding how your mortgage, income, and personal responsibilities fit together, and ensuring the protection you put in place supports that overall picture.

Our protection advisers take a personalised approach to mortgage protection advice. We start by reviewing your mortgage arrangements, monthly commitments, and future plans, before exploring the types of protection that may be suitable for your circumstances. This includes considering factors such as employment type, household income, dependants, and how your finances would be affected if your situation changed.

By focusing on suitability rather than generic cover, we help ensure any protection recommendations are appropriate, affordable, and aligned with your wider mortgage strategy. This allows you to move forward with clarity, knowing your protection has been structured around your needs, not assumptions.

Why Use A Mortgage Protection Adviser

Mortgage protection insurance can be complex, with different products designed to cover different risks. Without clear advice, it can be difficult to understand which types of cover are relevant, how much protection is appropriate, or how policies should work together.

A mortgage protection adviser helps you navigate these decisions by focusing on your individual circumstances rather than generic policy features. By understanding your mortgage, income, and financial responsibilities, an adviser can explain the options available, outline the trade-offs involved, and help you choose protection that supports your long-term affordability and peace of mind.

Advice based on your mortgage, income, and family needs

Protection advice should reflect how your mortgage and household finances actually work, not just headline figures. We consider the size and term of your mortgage, how income is earned within the household, and whether you have dependants or shared financial responsibilities.

This allows us to assess how your mortgage would be affected if income were reduced or lost, and which types of protection may be appropriate to support your specific circumstances. The focus is on suitability and relevance, ensuring protection is aligned with your real financial commitments rather than generic assumptions.

Protection solutions explained clearly, not sold generically

Mortgage protection insurance covers different risks, and each policy type works differently. Our role is to explain these differences clearly, including what is covered, how claims work, and where limitations or exclusions may apply.

Instead of presenting a list of products or prices, we help you understand how options such as life insurance, income protection, critical illness cover, and mortgage payment protection insurance can work together. This clarity helps you make informed decisions based on understanding, not pressure.

Support choosing cover that remains affordable long-term

Protection should provide reassurance over the life of your mortgage, not create financial strain. We help balance the level of cover you may need with affordability, taking into account your current budget and how circumstances could change over time.

By reviewing premiums, benefit levels, and policy flexibility, we aim to recommend protection that remains sustainable as your mortgage progresses. This ensures your cover continues to support your financial stability rather than becoming a burden.

Mortgage Protection Services We Can Help With

Mortgage protection is not a single product, but a combination of insurance options designed to protect different risks. The right approach depends on how your mortgage is structured, how income is earned within your household, and what financial responsibilities would remain if circumstances changed.

Critical Illness Insurance

Critical illness insurance provides a lump sum payment if you are diagnosed with a serious illness covered by the policy. This payment can be used to reduce your mortgage balance, cover essential living costs, or create financial breathing space during treatment and recovery.

Cover is typically arranged alongside life insurance and tailored to reflect your mortgage size, income, and wider financial responsibilities.

Business & Director Protection Insurance

For business owners and company directors, protection needs are often more complex than standard employment arrangements. Income may be irregular, and personal financial commitments are frequently linked to business performance.

Protection advice in this area focuses on supporting personal income and household finances where earnings come from salary, dividends, or other business-related sources.

How Mortgage Protection Advice Works

Mortgage protection advice should be clear, structured, and focused on helping you make informed decisions without unnecessary complexity. Our approach is designed to fit alongside your mortgage journey, ensuring protection is considered at the right time and in the right way.

We guide you through the process step by step, explaining your options clearly and helping you understand how different types of protection may work together. The aim is to put suitable cover in place with confidence, while ensuring it remains affordable and relevant as circumstances change.

Step 2: Identify suitable protection options

Based on your circumstances, we identify the types of protection that may be appropriate for you.

This may include life insurance, income protection, mortgage payment protection insurance, critical illness cover, or a combination of cover tailored to your priorities.

Step 4: Arrange cover from application through to completion

Once suitable cover is agreed, we support you through arranging the policy, confirming the details, and discussing options such as writing cover into trust to help ensure proceeds are paid promptly to the intended beneficiaries.

We also encourage regular reviews so your protection continues to reflect changes in your mortgage, income, or family circumstances.

How To Choose The Right Protection For Your Mortgage

Choosing the right mortgage protection is about understanding which risks are most relevant to your circumstances and how protection should support your mortgage over time. The appropriate level and type of cover will depend on a combination of financial commitments, household income, and future plans.

This section outlines some of the key factors we consider when advising on mortgage protection, helping ensure recommendations are suitable, affordable, and aligned with your wider mortgage strategy.

Income stability and employment type

How income is earned can affect both the type of protection available and how policies operate.

Employment type, contract terms, and access to employer benefits are all considered when assessing suitable protection options.

Affordability and flexibility of cover

Protection should remain affordable throughout the life of your mortgage.

We consider premium levels, policy flexibility, and the ability to adjust cover in the future to ensure protection continues to support your financial stability.

Why Choose The Mortgage Broker For Protection Advice

Mortgage protection is an important financial decision that should be guided by clear advice and a proper understanding of how protection fits alongside your mortgage. Our approach focuses on suitability, clarity, and long-term support, helping you make informed decisions with confidence.

We provide protection advice as part of a wider mortgage service, ensuring recommendations are aligned with your mortgage strategy rather than treated as a standalone product. This joined-up approach allows protection to be structured in a way that supports your financial position now and as circumstances change.

Experienced protection advisers

Our advisers support a wide range of borrowers, from first-time buyers to homeowners reviewing existing protection arrangements.

This experience allows us to explain options clearly and recommend protection that reflects real-world financial situations.

Advice aligned with your mortgage strategy

Protection advice is tailored to how your mortgage is structured and how it fits into your wider financial plans.

This helps ensure protection supports affordability, flexibility, and long-term security rather than being selected in isolation.

Ongoing support as circumstances change

Protection needs can change over time as mortgages, income, or family situations evolve.

We provide ongoing support and encourage regular reviews to help ensure your protection remains appropriate and up to date.

Real mortgage outcomes from real clients

We regularly help borrowers secure the right mortgage in situations where lender criteria, property details, or personal circumstances require careful handling.

For example, we recently supported a buyer purchasing a flat in a challenging location, where lender appetite was limited. By matching the case to the right lender and presenting the application clearly, the mortgage was accepted quickly and without unnecessary delays.

Protection Insurance

Protection insurance is about certainty when life goes off plan. The right policy can clear the mortgage, replace income, keep a roof over your families head, or even fund a buy-out in your business.  It enables you and your family keep control.

At The Mortgaege Broker, we specialise in Life Insurance, Critical Illness Cover, Income Protection, Director’s Life (Relevant Life), Key Person Insurance, and Shareholder Protection.

All our protection advice is FREE.

Tell us who you are protecting, what costs you would want covered and for how long, and our team will match you to the right cover, at the right level at the right price.

Find the best protection for your loved ones and your property in minutes

Protect the things that matter to you the most, from the worst that the world can throw at them. Being prepared for unfortunate events isn’t something that anyone likes to think about. Having adequate insurance in place ensures that your way of life can continue should the worst occur.

At the Mortgage Broker, we make sure you have support and protection for everything in your life. Our specialist advisors will run through all of your options so you can make the most informed decision possible.

Getting insurance for any life-changing event is of the utmost importance, none more so than when you take out a mortgage.

The largest debt of your life

A mortgage is the largest financial risk you’ll ever take in your life (probably), so it makes sense to get protection for that loan. We give you protection for your home, for yourself and for your loved ones. You don’t want to lose your home simply because of a run of bad luck.

There are many policies you can take out that cover various aspects of your personal and financial well-being. All of them are vital in their own way, though there will be times when it makes sense to have some policies over others. Whether looking for insurance for the individual or business, read on to discover what types of insurance we help you with and when you would need them.

Protect your family from illness and loss of income

Protection is the key. If you are the primary income earner for your family, once you have taken out a mortgage, you are bound into a term of regular repayments. If you are unable to make these payments, for whatever reason, you could run the risk of defaulting on the loan and eventually having your house repossessed, should the situation fail to be rectified.

Luckily, there are a wealth of options when it comes to protection for your home and family. When discussing the best mortgage deal with us we’ll also run through your insurance options. We value complete transparency when it comes to mortgage insurance; we won’t dazzle you with buzzwords or jargon and want to reassure you that we’ll only discuss the options we think fit your particular situation.

So, what types of insurance do we help with?

Life insurance

Also known as term life insurance, this covers your family in the event of your death. This policy has a term period and your beneficiaries will only receive a payout if you die within the term of the policy.

If you have anyone in your life that you want to ensure remains financially stable in the event of your death, then consider this policy. The impact of a death cannot be overstated; making sure your loved ones have financial stability gives them the ability to continue mortgage payments uninterrupted, taking time off for bereavement and ensuring child care continues.

Income protection insurance

This policy will cover your wage if you are unable to work due to sickness or injury. It will start paying out after a deferred period has elapsed; you’ll decide how long this period is when taking out the policy. Usually a deferred period is advised if you have substantial savings.

If you’re unable to work due to sickness or injury, income protection pays you an income every month, as if you were still working. Statutory sickness pay (SSP) is rarely enough to support you financially at all, with the payment coming in at a paltry £109 per week, probably not even enough to cover the groceries!

The financial impact of being out of work adds an unnecessary level of stress to your life, especially during this time.

The criteria for receiving money from this policy is that you must be unable to perform your occupation due to sickness or injury.

The amount of payout that you get differs but the maximum amount of cover you’ll receive is 60% of your wage. This is because the income received from the policy is tax-free, and 60% is what your usual wage after tax is.

There are certain occupations that exclude you from taking this policy; though it is rare, it’s best to discuss with us whether this is the right option for you. There are also some options to consider when taking out the policy that directly affect the length of time the payments will occur; naturally these impact the premium you will pay.

Landlord insurance

This is a specialised type of home insurance that is designed to protect landlords from loss of rental income, property damage and liability.

Also known as buy-to-let insurance, it gives you the ability to deal with property damage quickly and essential financial support during unforeseen events.

Cover varies, though it generally includes deliberate vandalism of the property, burst pipes and other issues with the boiler, damage from fires, floods and storms and the replacement of locks. Unfortunately, it does not cover deliberate damage by tenants, to fixtures and such.

You can get both building and contents landlord insurance as well as extras for each policy. The best thing to do is discuss with one of our advisors during your buy-to-let mortgage process; we’ll then be able to discern exactly what it is you need.

Relevant life plan

This provides cover for your employees’ and/or business owners’ families in the event of their death. It’s a very common type of business insurance and is offered by most businesses to their employees as a benefit of working at the company. No individual employee will have to pay for the cover though it ensures their family is protected if they should die.

Business loan protection

Provides protection to make sure that loans can be repaid that have been taken against a business or a shareholder within the business. What this does is protect the remaining shareholders should they not have the funds to repay the loan, or are not responsible for taking out the loan in the first place.

Think of this as a policy that applies to business loans used to secure a commercial property or the purchase of stocks, for instance.

Building and contents insurance

We’ve taken a look at policies that cover the people in your life. Protecting the individuals that are most important to you, but what about your home and possessions?

Although you can opt for separate policies, often building and contents insurance will be combined.

Building insurance covers damage to your home from natural disasters or situations beyond your control.

Contents insurance covers everything inside your home that isn’t part of the structure or bolted down; i.e. electronics, jewellery and furnishings. This covers you for theft as well as damage.

Many mortgage providers will ask you to take out this insurance as a condition for lending you the money for the mortgage. It is as much about protecting their investment as it is about making sure your home remains liveable for you.

As with many other policies, there are a slew of optional extras to consider. Extras cause your premium to increase but some are very useful, especially for this type of insurance. Accidental damage to the property or your belongings is an excellent addition, for instance. When we have settled on a lender for your mortgage, we’ll be able to go through all of the options for this type of insurance in detail.

It’s personal, and it’s business

For amazing insurance cover surrounding every aspect of your home-owning journey, the Mortgage Broker is proud to be a part of this exciting and nerve-wracking part of your life. Our advisors have the experience and the know-how to answer all of your questions as plainly as possible; giving you the ability to make an informed decision and feel safe and secure that the ones you love will be well looked after no matter what happens.