Mortgage Protection Insurance

Mortgage Protection

Secure Your Home Against Life’s Uncertainties

Your home is one of your biggest commitments—so protecting it is essential. Mortgage protection insurance helps ensure your mortgage payments can be covered if you pass away or become seriously ill, providing peace of mind that your family can remain in their home no matter what life brings.

At Alphakey Mortgages, we provide whole-of-market advice on mortgage protection insurance across the UK. We’ll help you find a policy that fits your needs, budget, and circumstances—offering clear guidance every step of the way.

Mortgage Protection FAQs

What is mortgage protection insurance?

It’s a type of insurance that helps cover your mortgage repayments if you’re unable to pay due to illness, injury, unemployment, or death—depending on the policy type.

Is mortgage protection the same as life insurance?

Not exactly. Mortgage protection is specifically tied to your mortgage balance. Life insurance may provide a lump sum for broader financial needs. Many clients choose to combine the two.

Do I need mortgage protection to get a mortgage?

It’s not a legal requirement, but many lenders and brokers strongly recommend it to protect your home and finances.

How much does mortgage protection cost?

Costs vary depending on your age, health, mortgage amount, and level of cover. We’ll compare options from top UK insurers to find a policy that fits your budget.

Can I get cover if I’m self-employed?

Yes, self-employed applicants can get mortgage protection and income protection cover. We’ll help tailor the right plan for your income type.

Protect Your Home and Your Peace of Mind

Your mortgage is one of your biggest financial commitments. Mortgage protection gives you the confidence that, should the unexpected happen, you or your loved ones can still keep up with repayments and stay in your home.

Mortgage Covered if Life Changes

Mortgage protection covers your payments if you become seriously ill or pass away.

Add Extra Protection

Optional critical illness or income protection can boost your cover.

Stay in Your Home

Helps prevent repossession during periods of financial hardship.

Peace of Mind For Loved Ones

Reassurance that your family’s home is protected, no matter what.

Our Mortgage, Lending & Protection Services

Residential Mortgages

Access to residential mortgages from all UK lenders.

Buy-To-Let Mortgages

Buy-to-let, limited company, HMO, and holiday let mortgages.

Specialist Lending

We offer flexible lending solutions for unique situations

Mortgage Protection

Cover your mortgage if life takes an unexpected turn.

Life Insurance

Protect your family’s future, no matter what.

Insurance & Protection

Personalised cover for life, income, health, home, and more.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Commercial Mortgages are not regulated by the Financial Conduct Authority.