What is mortgage protection and why do I need it?
Most people purchase mortgage protection as a requirement of their bank when drawing down a mortgage.
Mortgage protection is simply life cover that is effected to clear the mortgage in the event of the passing of the borrower. The amount of life cover reduces each year to follow your mortgage as it is paid down. Because the policy reduces over time, the policy is lower in cost than traditional life cover.
Not all mortgage protection policies are alike, we will match you with the most suitable policy based on your circumstances. Read our blog on how we shop the market here.
We do not recommend buying online without working with an adviser, you may miss out on valuable policy benefits. (If you’re required to purchase a policy, you may as well get it tailored to your needs at no additional cost)
Policies available from all providers in the Irish market. Zurich Life, Royal London, Irish Life, Aviva & New Ireland.
How do I get mortgage protection?
No in office appointment necessary.
Answer the health questionnaire by phone or email. (Call takes less than 10 minutes)
Click to sign the online application. (No computer skills required, simply an email address)
If you don’t require cover immediately, we place your policy on hold until draw down and your policy will be ready to go when necessary.
That is it, really.
Do I have to purchase mortgage protection from my bank?
No.
In fact, lenders are obligated to ensure that you do not feel pressured into taking a policy with them.
All of the mortgage protection policies we offer are lender aproved.
We can help “assign” the policy to your lender so you are ready for draw down.
If you already have a policy in place, it may benefit you to switch policies. Always ensure you are receiving better value before replacing any cover.
Additional queries? ☎ (02) 4521328 or Email Us
zero broker fee & Best Price Guarantee
We are not “tied” to any one institution. With us, you have access to all providers in the Irish market.
We happily price match the lowest market rate.
Expert advice
As a trusted broker since 1973, we have a dedicated team of knowledgable advisers to help you through the process from beginning to end.
Our advisors offer decades of experience helping people navigate complicated health concerns and lender requirements at no additional cost.