Mortgage Protection at The Mortgage Village
At The Mortgage Village, we don’t just help you secure the right mortgage—we also help you protect it. Life can be unpredictable, but having the right protection in place can give you peace of mind that your home and loved ones are financially secure should the unexpected happen.
There are several types of mortgage protection, and we’re here to help you understand the differences and find what suits your circumstances.
Life Insurance
Financial security for your loved ones.
Life insurance is designed to pay out a lump sum if you pass away during the term of your policy. This can help your family pay off the mortgage or cover other essential costs at a very difficult time.
- There are two main types:
- Level Term – pays a fixed lump sum
- Decreasing Term – designed to reduce in line with your mortgage balance
Critical Illness Cover
Support when serious illness changes everything.
Critical illness cover and Family Income Benefit can pay out a tax-free lump sum or a monthly amount if you’re diagnosed with a specified serious illness (like cancer, stroke, or heart disease) during the policy term.
This can help with:
- Mortgage repayments
- Medical or treatment costs
- Adapting your home or lifestyle
Critical illness cover can be taken on its own or alongside life insurance.
Income Protection
Your income is your most valuable asset.
If you couldn’t work due to illness or injury, how would you pay your bills including your mortgage? Income protection provides a regular monthly income if you’re signed off work due to a health issue.
It typically pays out until you return to work, reach retirement, or the policy term ends. Short-term and long-term policies are available.
General Insurance (Home Insurance)
Protect your home and belongings.
Buildings and contents insurance helps cover the cost of repairing or replacing your home and possessions in the event of damage, theft, fire, or flooding.
Most mortgage lenders require you to have buildings insurance as a condition of the mortgage.
- Buildings Insurance – covers the structure of your home
- Contents Insurance – covers your belongings
We can help you find comprehensive cover that suits your needs and budget.
Why Choose The Mortgage Village?
Let’s make sure your mortgage is protected for whatever life may bring.
01
Tailored protection advice
02
Clear, jargon-free explanations
03
Access to a wide range of insurers
04
Help understanding what each policy does and doesn’t cover
As with all insurance policies, conditions and exclusions will apply.
- You may have to pay an early repayment charge to your existing lender if you remortgage.
- Your home may be repossessed if you do not keep up repayments on your mortgage.
- Buy to Let mortgages and Commercial Lending are not usually regulated by the Financial Conduct Authority.
- Your property may be repossessed if you do not keep up repayments on your mortgage.
- Not all Buy to Let Mortgages are regulated by The Financial Conduct Authority
Our Contact
- admin@themortgagevillage.com
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Mortgage Village Ltd is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority.
Registered Office: Mortgage Village Ltd, 11 The Pastures, Edlesborough, LU6 2HL. Registered Company Number: 13637600 Registered in England & Wales.
- Copyright © The Mortgage Village
- 2025.