Mortgage protection insurance that keeps your home secure
Your mortgage is likely your biggest monthly commitment. We'll build cover around it so your family keeps the home if the unexpected happens.
Three types of cover, one goal
Mortgage protection is usually a mix of three policies. Life insurance clears or reduces the mortgage if you die. Critical illness cover pays a lump sum if you are diagnosed with a specified serious illness. Income protection replaces part of your monthly income while you cannot work.
We look at your mortgage balance, term, sick pay and savings, then recommend the combination that fits your budget. Our guide on life insurance vs income protection explains why many homeowners need both.
Cover built around your mortgage
Decreasing term life cover
A payout that falls with a repayment mortgage, usually the most affordable way to clear the loan.
Level term for interest-only
Fixed cover for interest-only or part-and-part mortgages where the balance does not reduce.
Critical illness cover
A lump sum on diagnosis to clear or reduce the mortgage while you focus on recovery.
Income protection
Monthly payments if illness or injury stops you working, so mortgage payments keep going out.
Joint or single policies
We compare joint cover with two single policies so couples get the best value.
Written in trust
Help placing policies in trust so payouts reach your family quickly and outside your estate.
Review your mortgage protection
Book a free consultation. Bring your mortgage details and we will show you what cover would cost.
Or visit our contact pageWhat our customers say
"Silver Oak made our first mortgage feel completely manageable. Every step was explained clearly and we never felt rushed."
"Genuinely calm, professional advice. They saved us a real amount each month and the process was effortless."
"As a contractor I'd been turned down before. They knew exactly which lenders to approach and we completed in weeks."