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Mortgage Protection Insurance Secures Your Home
Ensure your family keeps their home with mortgage protection insurance. Protect your loved ones from mortgage debt with a policy tailored to your needs.
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112 Reviews5.0 out of 5
Spotlight
Why Choose Mortgage Protection?
Mortgage protection insurance is a legal requirement for homeowners in Ireland. When taking out a mortgage, your lender will require you to have this coverage in place. It ensures your mortgage will be fully paid off if you pass away during the term of your mortgage, leaving your family with a debt-free home.
Decreasing Term Cover
The amount of cover reduces over time in line with your outstanding mortgage balance
Joint Policy Options
Cover both yourself and your partner under one policy, often more cost-effective than separate policies
Lender Approval
Meets Central Bank of Ireland requirements ensuring your mortgage application can proceed
Application Process
Fast track your mortgage protection application
Get expert guidance every step of the way with a dedicated advisor, making your mortgage protection approval process faster and stress-free.
Complete our online fact check
1Fill out a quick online form with basic details about yourself such as Name, if you smoke and how much cover you think you may want.
Get assigned a personal advisor
2We’ll assign you a dedicated advisor who will be your main contact throughout the process, answering any questions and helping you choose the best insurance package and rate for your circumstances.
We submit your application
3After we have discussed the mortgage protection options with you and you have agreed on a policy and rate we submit your application to the insurance company for approval which usually takes about 48 hours.
Sign the paperwork, your now covered !
4When your mortgage protection policy application is approved, you just need to sign the paperwork and your policy is now complete and active.
"Very contactable which was a huge bonus in this process."
Broker Benefits
Get the best rates as we're not tied to any single insurance provider
Working with multiple Irish Insurers' to find the most competitive mortgage protection rates and flexible repayment options, tailored to suit your needs.
With
- Wide Range of ProductsLife term & mortgage protection insurance
- Personalized ServiceUnbiased financial advice tailored to your personal circumstances
- Customized SolutionsSelf-employed, Expats & special cases welcome
- Access to Exclusive DealsInsurance policies & options not available direct from retail insurance providers
- Expert Market KnowledgeEvery mortgage protection rate from all Irish insurance providers
vs
Traditional mortgage protection provider
- Limited product range
- Generic financial advice
- Inflexible appointment times
- Default bias to their products only
- Frequent 'Computer-Sayes-No' attitude
- No guarantee your getting the lowest rate
- Single insurance option for mortgage protection
- Averse to handling previous claim issues
- Often No options for pre-existing conditions
"We recently moved our mortgage and topped up for some home improvements. I'd highly recommend him."
Feena Flanagan
Frequently Asked Questions
Questions about mortgage protection you didn't think to ask!
Truth is, you might have alot more questions and our experts can answer them all.
If I extend my mortgage term, will my existing mortgage protection policy still be valid?
Your current policy may not cover the extended term. You'll need to either extend your existing policy or take out a new one to match the new mortgage term.
Can I get mortgage protection if I'm a non-resident buying property in Ireland?
Yes, but options may be limited and premiums could be higher. Some insurers have specific policies for non-resident property owners.
If I switch my mortgage to a different bank, do I need new mortgage protection insurance?
No, you can usually keep your existing policy if it meets the new lender's requirements. You'll just need to assign the policy to your new lender.
What happens to my mortgage protection if I pay off my mortgage early?
You can either cancel the policy, keep it as additional life cover, or convert it to a different type of life insurance, depending on your policy terms.
Does mortgage protection cover rental income if I can't work?
No, standard mortgage protection only covers the outstanding mortgage balance upon death. For rental income protection, you'd need separate income protection insurance.
Guides
Stay in the know with our mortgage protection guides
Navigate mortgage protection with confidence. Our expert guides break down complex choices into clear steps, empowering you to make decisions that protect what matters most.
