Mortgage Protection Insurance
Safeguard Your Home and Loved Ones.
Mortgage Protection Insurance ensures your mortgage repayments are covered in case of illness, injury, or death, protecting your home and your family’s financial future.
Benefits
What Is Mortgage Protection Insurance?
Mortgage Protection Insurance (MPI) is designed to help cover your mortgage payments if you become unable to work due to illness, injury, or death. It acts as a financial safety net, ensuring your home stays secure even when life takes an unexpected turn.
Types of Mortgage Protection
Life Insurance: Pays off your mortgage if you pass away during the policy term.
Critical Illness Cover: Pays a lump sum if you’re diagnosed with a specified serious illness.
Income Protection: Provides monthly payouts if you’re unable to work due to illness or injury.
Why Is It Important?
For most homeowners, a mortgage is their largest monthly expense. Without protection in place, a sudden job loss or medical diagnosis could put your home — and your family’s financial security — at risk.
Mortgage protection ensures that if the unexpected happens, your repayments don’t become an overwhelming burden. It also gives loved ones time and stability to manage during a difficult transition.
For homeowners with dependents, self-employed professionals, or anyone without long-term employer sick pay, having protection is not just sensible — it’s essential.
Who Should Consider It?
Mortgage Protection Insurance is especially relevant for:
Individuals with dependent family members
Joint homeowners relying on two incomes
First-time buyers securing a long-term mortgage
The self-employed or contractors without employer sick pay
Anyone concerned about critical illness or long-term incapacity
Even if you have existing life or income protection, it’s worth reviewing whether it fully covers your mortgage obligations — and if not, bridging that gap.
How Does the Process Work?
At Matwill Capital, we guide you through five simple steps:
Needs Assessment
We begin with a conversation to understand your mortgage size, family situation, health history, and existing cover.Policy Design
Based on your risk profile, we recommend suitable types and levels of cover — life, critical illness, income protection, or a combination.Quote Comparison
We compare trusted UK insurers and explain the differences in terms, exclusions, and benefits.Underwriting & Setup
We assist with applications, medical declarations, and documentation — and ensure your policy starts on time.Ongoing Reviews
As your life changes (job, family, home), we help adjust your cover to stay in sync.
Client Success Story
A Family Secured — Even When Life Changed Overnight
David and Emma, a young couple with a £400,000 mortgage, approached Matwill Capital while purchasing their first home in Birmingham. Though they were hesitant at first, we helped them secure a joint life and critical illness policy tailored to their needs.
Two years later, Emma was diagnosed with a rare form of cancer. The policy paid out their remaining mortgage in full, giving them financial stability and allowing her to focus on recovery without the added pressure of repayments.
“We never thought we’d need it so soon. Having that protection gave us space to breathe when everything else felt out of control.”
— David & Emma, Birmingham
Frequently Asked Questions
Doesn’t my life insurance already cover this?
Not always. Many life policies don’t cover critical illness or income loss. MPI is tailored to ensure your mortgage is specifically protected.
Do I need this if I’m single?
Yes — especially if no one else can take over your payments. Mortgage protection buys you time and stability if you’re unable to work.
How much does it cost?
Premiums vary based on age, health, mortgage size, and level of cover. We help you find a balanced option that fits your budget.
Can I cancel or change my policy later?
Yes. Policies can be reviewed, adjusted, or cancelled at any time. We recommend reviewing annually or after major life events.
Why Choose Matwill Capital?
At Matwill, we don’t push products — we solve problems. Our approach is personal, transparent, and always tailored.
Independent access to leading UK insurers
Clear, no-jargon advice
Specialist support for international clients & non-standard cases
Long-term service — we don’t disappear after setup
FCA-authorised, client-trusted
Protect What Matters — Get Insured Today
Let’s Protect Your Future, Together.
Mortgage protection starts with a conversation.
📞 Book a free consultation today — and give yourself one less thing to worry about.