Our Expertise
Protection
Arranging a mortgage is one part of the picture. Considering what would happen if income stopped is the other.
Overview
What is protection?
Protection is the umbrella term for insurance arrangements designed to help maintain financial commitments if something unexpected happens. In a mortgage context, that usually means considering death, serious illness, and loss of income.
There is no single policy that suits everybody. The right conversation starts with what you already have, including any employer benefits, and what would actually happen to your household if income stopped.
Who might this be suitable for?
- Homeowners with a mortgage to maintain
- Households where one income covers most commitments
- Parents and those with dependants
- Self employed clients with no employer sick pay
- Clients whose existing cover has not been reviewed for years
How Help to Lend can help
- 01We establish what cover you already hold, including through an employer.
- 02We discuss the gap between your commitments and what would continue to be paid.
- 03We explain how policies differ and where the exclusions typically sit.
- 04We review arrangements when your mortgage or circumstances change.
Assessment
What may lenders and providers consider?
Existing cover
Employer death in service and sick pay arrangements can reduce what is needed.
Health and lifestyle
Insurers assess medical history and lifestyle, which affects terms and premiums.
Term and amount
Cover is usually aligned to the mortgage term and outstanding balance.
Budget
Cover only helps if it is sustainable, so affordability matters as much as scope.
Criteria vary between providers and can change at any time. Nothing here confirms that a particular lender or insurer will accept an application.
The Process
How we work through it together.
- 01
Understand
We start with a conversation about your circumstances, plans and objectives.
- 02
Assess
We review your position, affordability and mortgage requirements in detail.
- 03
Recommend
We identify suitable mortgage and protection options and explain the reasoning.
- 04
Apply
We prepare and manage the application, liaising with the lender on your behalf.
- 05
Progress
We keep the case moving and keep you informed at every stage.
- 06
Complete
We support you through to completion and remain available afterwards.
FAQs
Frequently asked questions
Related
Related expertise
Life Insurance
A lump sum or income for those you leave behind.
Critical Illness Cover
A lump sum on diagnosis of a defined serious condition.
Income Protection
Replacing part of your income if you cannot work through illness.
Mortgage Payment Protection
Short-term cover aimed specifically at mortgage payments.
Speak to an adviser about your circumstances.
We'll explain the options clearly and tell you what to prepare, with no obligation.
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