Your mortgage is likely your biggest financial commitment. Mortgage protection helps make sure it’s never a burden on your family, even if life takes an unexpected turn.

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What is mortgage protection insurance?

Mortgage protection insurance is a type of cover that helps pay off or keep up with your mortgage repayments if you pass away, become critically ill, or are unable to work due to illness or injury. It’s designed to protect your home and the people in it from financial stress.

The right policy ensures that even if the unexpected happens, your loved ones can stay in their home and continue life without the added pressure of monthly repayments.

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Why is mortgage protection so important?

No one expects to fall seriously ill or lose their income, but if your household couldn’t keep up with mortgage repayments without your salary, the impact could be significant, especially during an already difficult time.

Having the right cover in place:

Keeps your home secure, even if you can’t work
Reduces financial pressure for your partner or family
Ensures your mortgage is paid off in full if you pass away (depending on policy type)
Offers peace of mind from the moment you collect your keys

Types of mortgage protection cover

There are several ways to protect your mortgage, each with a different purpose. Here’s a breakdown of the main types:

Life insurance (mortgage life cover)

  • Pays off your mortgage in full if you pass away during the term of the policy
  • Typically designed to match the amount and duration of your mortgage
  • Can be level term (fixed payout) or decreasing term (reduces over time with your mortgage balance)

Critical illness cover

  • Pays a lump sum if you’re diagnosed with a serious illness covered in the policy (e.g. cancer, heart attack, stroke)
  • Can help pay off the mortgage or provide funds during recovery
  • Often added as a combined policy with life cover

Income protection

  • Provides a regular monthly income if you're unable to work due to illness or injury
  • Helps cover your mortgage payments and other essential bills
  • Especially valuable for self-employed workers or those without sick pay

How it works and how to choose the right protection

We start by understanding your mortgage details, lifestyle, income, and financial responsibilities. Then we:

Explain your options clearly, breaking down the technical terms and cover types

Review any existing policies to identify any gaps or duplication

Tailor a solution to fit your budget, mortgage length, and family circumstances

Handle the paperwork, from quotes through to application, all in one place

Who needs mortgage protection?

Mortgage protection is especially important for:

  • First-time buyers taking on their first big financial responsibility
  • Families where one or both incomes are needed to cover monthly repayments
  • Self-employed individuals without access to sick pay
  • Homeowners with dependents who couldn’t cover the mortgage alone

Ideally, mortgage protection should be in place from the moment your mortgage begins, but it’s never too late to review your situation.

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Why work with a specialist?

You could find a basic policy online, but the cheapest option isn’t always the right one, and many off-the-shelf policies don’t offer the flexibility or cover you actually need.

At Jigsaw, we:

  • Compare policies across a wide range of insurers
  • Tailor cover to match your mortgage and lifestyle
  • Explain everything clearly — no jargon, no guesswork
  • Ensure you’re not underinsured or overpaying
  • Give you peace of mind that your home is protected, whatever the future holds
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Let's protect what you’ve worked hard for

If you’ve just bought a home or are reviewing your protection options, now’s the time to put the right cover in place. It only takes a short call to explore what’s right for you — and the sooner it’s sorted, the better you’ll feel.

Book a free, no-obligation appointment today. We’ll help you choose the right mortgage protection, with expert advice, clear guidance, and a process that fits around your schedule.

How can we help you?

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Find out what you can afford in minutes

Understanding what you can realistically afford is the first step toward a stress-free homebuying journey. Our affordability tool gives you a quick and accurate estimate of how much you may be able to borrow based on your income, expenses, and deposit.

It’s completely free to use, doesn’t affect your credit score, and takes just a couple of minutes. Whether you’re a first-time buyer, moving up the ladder, or simply exploring your options, our tool can help you plan with confidence and avoid unwanted surprises later.

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