Insurance & Mortgage Protection

Protect your home andfamily in London

Your mortgage is likely the biggest financial commitment of your life. The right protection ensures your home is safe — whatever happens. We compare the whole market to find the most comprehensive cover at the right price.

Whole of market comparisonLife cover from £10/monthPre-existing conditions consideredSame-day quotes available
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What type of protection do you need?

Select all that apply — we will find the right solution for you.

Types of mortgage protection cover

A comprehensive protection plan typically combines several types of cover.

Life Insurance

Pays a lump sum to your family if you die during the policy term. Ensures your mortgage is cleared and your family can stay in their home.

Critical Illness Cover

Pays a tax-free lump sum if you are diagnosed with a specified serious illness such as cancer, heart attack, or stroke.

Income Protection

Replaces a percentage of your income if you are unable to work due to illness or injury — so you can keep up your mortgage payments.

Buildings & Contents

Buildings insurance is required by your mortgage lender. Mortgage International are not authorised to provide advice on Buildings & Contents Insurance, this will be referred to our trusted third-party advisers.

Why mortgage protection matters in London

London property prices are among the highest in the UK — meaning mortgage payments are often larger and the financial risk of not being protected is greater. If you were unable to work through illness or injury, how long could you keep up your mortgage payments on savings alone?

According to the Association of British Insurers, 1 in 2 people will be diagnosed with cancer at some point in their lifetime. 1 in 4 people will suffer a critical illness before they retire. Without protection, these events could put your home at risk.

As an independent firm, we are not tied to any one insurer. We compare policies from the UK's leading protection providers — including Aviva, Legal & General, Royal London, Zurich, and more — to find you the best cover at the lowest price.

Life CoverCritical Illness Cover

Get a free protection review

We will review your existing protection (if any), identify any gaps, and recommend the most suitable and cost-effective cover for your situation. No obligation, completely free.

Whole of market access
Compare 20+ leading insurers
Policies from £10/month
Pre-existing conditions welcome
FCA regulated advice
Get a Free Initial QuoteCall 0844 884 9748

Mortgage protection FAQs

What is mortgage protection insurance?
Mortgage protection insurance is a type of cover designed to pay your mortgage if you cannot — due to death, serious illness, or being unable to work. It gives you and your family peace of mind that your home is protected whatever life throws at you.
Is mortgage protection insurance compulsory?
No, it is not legally required. However, most mortgage lenders will require you to have buildings insurance and we strongly recommend life cover or mortgage protection to safeguard your home and family. Without it, your family could struggle to keep up mortgage payments if you died or became seriously ill.
What types of mortgage protection are available?
The main types are: Life insurance (pays out a lump sum on death), Critical illness cover (pays out if you are diagnosed with a serious illness), Income protection (replaces your income if you are unable to work due to illness or injury), and decreasing term insurance (cover that reduces in line with your mortgage balance).
How much does mortgage protection insurance cost in London?
Premiums depend on your age, health, lifestyle, the amount you need to cover, and the length of the policy. A healthy non-smoker in their 30s can typically get life cover for the cost of their mortgage for as little as £10–£20 per month. We compare the market to find the best rate for you.
Can I get mortgage protection if I have a pre-existing condition?
Yes, in many cases. Some conditions may result in an exclusion or a higher premium, but there are specialist insurers who cater for people with pre-existing medical conditions. We search the whole market to find the most suitable policy for your circumstances.
Do I need separate policies or can I combine them?
You can have a combined policy that includes life cover and critical illness, or have separate policies. The right approach depends on your budget and priorities. We will analyse your needs and recommend the most cost-effective protection package.

Don't leave your home unprotected

Get a free, no-obligation protection review from our FCA regulated advisors. We serve all of Greater London.

Get a Free Initial QuoteCall 0844 884 9748

Trusts are not regulated by the Financial Conduct Authority.