Mortgage Protection

Protection

At Home Group Financial, we believe your home is more than bricks and mortar—it’s your sanctuary, your investment, and your family’s security. That’s why protecting your mortgage and property is just as important as securing the right loan.

Tailored solutions

We offer a full range of Mortgage Protection solutions designed to give you peace of mind, ensuring that you or your family can remain in your home no matter what life throws your way.

Mortgage Life Cover

Mortgage Life Cover is designed to repay your mortgage in full if you pass away during the term of the loan. This ensures your family won’t have to worry about losing their home while dealing with the emotional impact of bereavement. Available in both decreasing and level term formats, we’ll help you choose the right policy to match your mortgage type.

Mortgage Critical Illness Cover

A serious illness can have a devastating financial impact. Mortgage Critical Illness Cover pays out a lump sum if you’re diagnosed with a specified critical illness, helping to repay your mortgage or support your recovery. It provides vital financial breathing space at a time when your focus should be on getting better.

Mortgage Income Protection

If you were unable to work due to illness or injury, how would you cover your mortgage payments? Mortgage Income Protection provides a regular monthly income if you’re signed off work, helping to keep your finances afloat until you recover or return to work. Flexible cover options allow you to tailor the benefit and deferral period to your needs

Buildings & Contents Insurance

Mortgage lenders require you to have buildings insurance in place, but protecting your possessions is just as important. We provide comprehensive Buildings & Contents cover to safeguard your home and everything in it—from the structure itself to your furniture, electronics, and valuables. Optional extras include accidental damage and legal cover.

Level Term Assurance

Level Term Assurance pays out a fixed lump sum if you die within the policy term. Ideal for interest-only mortgages or additional protection, the benefit remains constant regardless of your mortgage balance. It can also be used to provide your family with extra financial support beyond just repaying the mortgage.

Landlord Insurance

If you rent out property, standard home insurance won’t provide the protection you need. Landlord Insurance covers buildings, contents (if furnished), and liability for tenant-related issues like accidental damage or loss of rent. It’s essential protection for buy-to-let owners and professional landlords alike.

Decreasing Term Assurance

Perfect for repayment mortgages, Decreasing Term Assurance reduces in line with your mortgage balance. This cost-effective life cover ensures your mortgage is repaid in full should you pass away during the term, keeping your loved ones in their home without overpaying for cover you don’t need.