Protection & Insurance
Your mortgage is one of the biggest financial commitments you’ll ever make – and while it’s exciting, it’s also important to make sure you and your family are protected if life takes an unexpected turn.
At K and H Mortgages, we believe peace of mind should come with every mortgage. We’ll help you understand what types of cover are available, what’s worth considering, and how to choose the right protection for your situation – all explained in plain English.
As with all insurance policies, conditions and exclusions will apply.
The cost of this insurance depends on several factors, such as your age, where you live and your occupation. As a result, the cost you will pay is based on your own circumstances.
Protection & insurance
What does mortgage protection actually mean?
Mortgage protection is about making sure that – no matter what happens – your mortgage payments (and your family’s financial wellbeing) are protected.
There are a few main types of cover to consider:
Life insurance – Pays out a lump sum if you pass away during the policy term, helping your loved ones pay off the mortgage or maintain stability.
Critical illness cover – Provides a lump sum if you’re diagnosed with a serious illness such as cancer, heart attack or stroke.
Income protection – Replaces part of your income if you’re unable to work due to illness or injury.
Family income benefit – Pays a regular income to your family if you die during the term of the policy, helping them manage monthly expenses.
It’s not about buying everything – it’s about finding the right balance of protection that fits your life, your finances, and your priorities.
Protection & Insurance
Why protection matters
It’s easy to think “it’ll never happen to me,” but the truth is – none of us can predict the future. Having the right protection in place means that if life throws a curveball, you or your family won’t have to worry about losing your home or struggling financially.
We’ve seen firsthand how much relief clients feel knowing their mortgage and income are protected. It’s one less thing to think about, and a big step toward long-term security.
When 2 become 3...
Buildings and Contents
Through a panel of trusted providers, we are able to obtain quotes and arrange cover for all of your buildings and contents needs. Another job taken off your hands.
How we will help you
We know conversations about insurance can feel overwhelming or even uncomfortable. Our role is to make it simple, straightforward, and based entirely on what you actually need.
Here’s what to expect when you work with us:
First chat
We’ll start with a relaxed conversation about your current situation, family, lifestyle and what’s most important to you. No hard sell - just understanding your priorities.
Understanding your options
We’ll explain the different types of cover (life, critical illness, income protection etc.) in plain English, so you can decide what feels right.
Finding the right fit
We compare protection products across a range of providers - not just one insurer - to find cover that genuinely suits your needs and budget.
Application and setup
We handle the paperwork, liaise with insurers, and make sure your policy starts smoothly and on time.
Ongoing support
We’ll check in with you at key stages (for example, when your circumstances or mortgage change) to make sure your cover still fits your life.
Protection and Insurance
What you need to know
Having protection in place doesn’t have to be expensive or complicated. We’ll always be upfront about what to expect and what’s realistic for your budget.
Typical costs:
Premiums depend on your age, health, level of cover, and policy type – but we’ll always help you find affordable, high-quality protection.
Our fee
We do not charge a fee for arranging Protection, we receive commission from the Provider on completion.
How long does it take?
Most protection policies can be arranged within a few days to a couple of weeks, depending on the provider and whether medical details are required. We’ll keep you updated every step of the way.
Protection & Insurance
Why work with us?
Working with us gives you access to a wider range of lenders and products – not just one bank’s options. That means better chances of finding the right fit for your circumstances.
At K and H Mortgages, we are:
- Real people who care. We who understand what it’s like to make big life decisions – and we care deeply about helping you feel confident every step of the way.
Not going to confuse you with jargon. Everything is explained in plain English.
Not held to massive sales targets. We’re here to help you, not hit quotas.
Ready to protect your home and future?
Book a free chat with us today and we’ll help you find the right protection for your life and goals – with honest advice, clear explanations, and total peace of mind.