Mortgage Protection
Protect your home, protect your family.
A mortgage is likely one of the largest financial commitments you will ever make. Your ability to maintain payments is critical, and if something happens to you, your family’s plans could be disrupted – unless you have protection in place.
Capricorn’s Protection Advisers help safeguard your mortgage using tailored combinations of life insurance, critical illness, and income protection, aligned with your circumstances and any existing cover.
Safeguard your mortgage
Your mortgage can be protected through a carefully structured combination of cover, designed to support you and your family when it matters most:
- Life insurance – provides a lump sum in the event of death, helping to repay your mortgage and ease the financial burden on your family.
- Critical illness cover – pays out if you are diagnosed with a serious medical condition covered by the policy, offering financial stability during recovery and helping you meet mortgage commitments.
- Income protection – replaces some of your regular income if you’re unable to work due to long-term illness or injury, helping you maintain repayments and everyday living costs.
All recommendations are individually tailored to your circumstances, taking into account existing policies, employer benefits, and your wider financial position.
Why mortgage protection matters
Even if you have other savings or investments, the thought of your family struggling to keep up mortgage payments can be worrying. Mortgage protection insurance removes that concern, ensuring that your loved ones can maintain their home regardless of life’s uncertainties.
- Cover pays out any outstanding mortgage in the event of death
- Choose single or joint cover with your partner
- Add critical illness cover alongside life cover
- Our advisers will help you find the right deal from a range of providers
How mortgage protection works
Mortgage protection reduces in line with your outstanding mortgage, helping ensure your family can maintain repayments and keep their home secure if the unexpected happens.
While some lenders require protection, you’re free to choose the right policy. Capricorn Financial Mortgages helps you find a suitable, well-structured solution.
Our advisers can guide you on:
- Types of protection cover to combine for maximum peace of mind
- How to structure your cover efficiently
- Understanding any potential impact on inheritance tax and the use of trusts
Find the right cover
Book an appointment with a Capricorn Protection Adviser to review your mortgage protection needs. We’ll guide you through your options, explain any relevant considerations, and find the right plan for your situation.
Mortgage protection advice is regulated by the Financial Conduct Authority. Trusts and Inheritance Tax planning are not regulated by the FCA. We do not offer advice on inheritance tax planning and trusts.