Mortgage protection advice
Protect your mortgage. Protect your home.
Your mortgage is likely one of your biggest monthly commitments. A protection review can help you understand whether your household could keep the mortgage covered if illness, injury, serious illness, death or a change in income affected your finances.
Why this matters
The mortgage does not pause just because life does.
Protection is not about expecting the worst. It is about making sure your household has options if the unexpected happens and your normal income is affected.
Start with clarity
A good protection review looks at what you already have, what support would still come in, what the mortgage needs each month and where the real gaps may be.
- Could the mortgage still be paid if one income stopped?
- Would existing cover clear the mortgage or support monthly payments?
- Has your protection kept up with your mortgage, family and income?
What protection can do
Different risks need different cover.
There is no single protection product that is automatically right for every household. The right recommendation depends on your mortgage, income, family, health, budget and any existing cover already in place.
60-second homeowner check
Would your mortgage be protected if your income changed?
Use these questions as a quick starting point. If any answer is unclear, a protection review could help turn uncertainty into a clear plan.
How the review works
Simple, advice-led and based on your household.
The aim is not to sell every homeowner every possible policy. It is to understand your position clearly and help you decide what may be suitable, affordable and useful.
When to review
Life changes. Your protection should keep up.
Protection should not be arranged once and forgotten. It is worth reviewing whenever your mortgage, income, family or financial commitments change.
Sometimes the best outcome is confirming your existing cover still fits. Sometimes it is updating the term, amount or type of protection so it better reflects your current mortgage and household.
Review triggers
- Moving home or increasing your mortgage.
- Remortgaging or changing the mortgage term.
- Having children or taking on new financial responsibilities.
- Becoming self-employed or changing jobs.
- Realising you are unsure what cover you already have.
Helpful protection guides
Learn first. Decide with confidence.
These guides help explain the key protection questions homeowners often have before booking a review.
Could you still pay your mortgage if your income stopped?
A practical reality check for homeowners who want to understand their savings buffer, employer benefits and potential protection gaps.
Read the guideWhat is mortgage protection and why does it matter?
A plain English explanation of life insurance, critical illness cover, income protection and family income benefit.
Read the guideNot sure what cover you already have?
Bring your current policy details to a review and we can help you understand whether they still fit your mortgage, family and income.
Book a reviewProtection FAQs
Questions homeowners ask before a review.
Is mortgage protection the same as life insurance?
No. Life insurance is one type of protection, but mortgage protection planning can also include critical illness cover, income protection and family income benefit depending on your needs.
Do I need protection if I already get sick pay?
Possibly, but it depends how much sick pay you receive, how long it lasts, your mortgage payment and how much savings you have available. A review helps compare the real numbers.
Can I review an old policy?
Yes. Reviewing an old policy is often a good starting point, especially if you have moved home, remortgaged, had children, changed jobs or increased your mortgage since it was arranged.
Will I definitely be accepted for cover?
No. Protection products are subject to eligibility, underwriting, provider terms, conditions and exclusions. Your health, occupation, lifestyle and other factors may affect the options available.
Book your free protection review.
The Mortgage Hive can help you understand what cover you already have, where gaps may exist and what options could help protect your home and family.
Protection policies are subject to eligibility, underwriting, provider terms, conditions and exclusions. Some policies have no cash-in value at any time and cover will end if premiums are not maintained. The right protection depends on your individual circumstances, mortgage, income, health, family situation and budget.