Mortgage Protection

Home security

Being unable to pay your way due to things outside of your control is a situation you never want to find yourself in. Safeguard your property and keep financial worries from the door with our Mortgage Protection services.

What is mortgage protection?

In a similar way to Critical Illness cover, this type of policy pays out if you ever become unwell or lose your job. However, rather than paying out to cover different costs (rent, bills etc), mortgage protection insurance is fixed to only cover the cost of your mortgage payments in these circumstances.

It is very likely that your mortgage is your highest monthly expenditure. Because of this, Mortgage Protection policies are a popular choice of cover, as they can ensure that your home is still in a secure position when you are out of work; leaving you to focus on getting better again. Speak to us today about how you can begin covering your mortgage payments today.

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Types of insurance

We offer four different types of insurance to help you protect the things that mean the most:

  • Life insurance
  • Critical Illness
  • Income Protection
  • Mortgage Protection

At Simplicity, you can choose one type of cover or, if necessary, combine others for a more comprehensive and secure plan.

Find out more about our other types of cover.

Life insurance

Life insurance is a popular choice of policy to ensure your loved ones are taken care of when you die. At Simplicity, we have a number of life insurance policies that are available to you.

Critical illness

Your health underpins everything, even your income. Should you ever be diagnosed with a critical illness, our critical illness cover policies can offer you financial stability through difficult times.

Income Protection

Finding yourself out of work can create problems for you and your loved ones. Income Protection cover can soften financial hardships in the event of you becoming unable to work.

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Why choose Simplicity?

Finances can often be complicated, but it doesn’t have to be.

We appreciate that approaching the task of buying insurance policies can be daunting. There can be a lot of moving parts to contend with, and dates, numbers and fine print can
begin to cloud the bigger picture. That is why we are here to help you keep things simple.

Always fair

Simplicity are not tied to providers, meaning we are able to explore all options that are available when dealing with your policy. This way we can select the best options for you.

Always in touch

When you start your cover, you join the Simplicity family. We pride ourselves on being reachable should you have any questions or queries about any other financial products.

Always thinking ahead

The financial sector changes all the time, and that is why we automatically review your policies every 12 months. This ensures that you are always on the best plan you can be.

Always simple

Like our name implies, we don’t make things complicated. This company is built on keeping our services simple for our clients; keeping our process easy and your options as clear as possible.

Buy with confidence

Whether you are searching for insurance or a mortgage provider, we know that buying with confidence is key. That’s why at Simplicity, we are committed to providing every one of our clients with face-to-face guidance and first-rate services. Ready to start?

FAQ

How much will my policy pay out?

When you take out a policy, you’ll be able to decide how much you want it to pay out every month if you find yourself out of work. There can be upper limits in place that depend on your current salary and employment status. This is usually at around £1,500 to £2,000 a month, but of course we will clarify this with you.

Will my job affect my mortgage protection policy?

Similarly to other insurance policies, your job may affect your policy as some occupations carry higher risks than others, meaning you’ll be more likely to get ill or injured – for example if you work at a construction site you may have higher premiums than a computer programmer or secretary.

Can I change my insurance plan if my circumstances change?

Of course. We know that life doesn’t function on a single wave. That’s why, at Simplicity, we automatically review your policy every 12 months. This way you don’t have to worry about your plan being best suited for your changing circumstances. If your situation changes, we are here to tailor your plan for you.

Why should I choose Simplicity over the bigger companies?

We appreciate that well known companies are always going to be the first thing that springs to mind when looking for these services. However, we are competitive with the top names, and we also offer a hands-on approach to these services; meaning you will always be able to stay in touch with our team.

How Simplicity can help save time and money?

Quite simply, we have extensive experience in this sector. Our clients have found that bigger companies can be difficult to contend with when it comes to finding the best deal. We pride ourselves on being able to find the best rates for our clients and provide a face-to-face service.

How often do I need to review my insurance?

We will automatically check up on our clients’ policies every year, so we if there is a better rate we will inform you. Of course, if you wish to review your policies at any time, we’ll be happy to.

Get a Quote

To find out what Simplicity can do for you, we would love for you to get in touch. Also, you can get a quick quote here.