Mortgage Protection Insurance
Secure Your Investment with Mortgage Protection Insurance
At Harbour View Mortgages, we believe in safeguarding your financial future. Mortgage protection gives you and your family peace of mind — and as regulated brokers we compare cover across the market to give you expert, independent advice on the right policy for your circumstances.
Why Consider Mortgage Protection Insurance?
Financial Security
Mortgage protection insurance ensures that your mortgage payments are covered in the event of unforeseen circumstances such as illness, disability, or death. This protects your home and financial stability.
Peace of Mind
Knowing that your mortgage is protected gives you and your family peace of mind. You can focus on enjoying your home without worrying about financial uncertainties.
Tailored Coverage
Knowing that your mortgage is protected gives you and your family peace of mind. You can focus on enjoying your home without worrying about financial uncertainties.
Our Mortgage Protection Insurance Process
01
Initial Consultation
We start with a no-obligation consultation to understand your needs and financial situation. This helps us recommend the most suitable insurance options for you.
02
Coverage Assessment
Our experts assess various insurance policies and providers to find the best coverage options. We explain the benefits and limitations of each policy, helping you make an informed decision.
03
Policy Selection
Based on your preferences and needs, we help you select the right mortgage protection insurance policy. We ensure the policy offers adequate coverage and fits within your budget.
04
Application Support
We assist you in completing the insurance application process, ensuring all necessary documentation is accurately completed and submitted.
05
Ongoing Support
Our support continues even after your policy is in place. We provide ongoing advice and assistance, helping you review and update your coverage as needed.
Benefits of Mortgage Protection Insurance
- Protect Your Home: Ensure your home is protected against financial risks.
- Cover Mortgage Payments: Ensure your mortgage payments are covered in case of illness, disability, or death.
- Peace of Mind: Enjoy peace of mind knowing your mortgage is secure.
- Tailored Coverage: Choose coverage that fits your specific needs and circumstances.
- Expert Guidance: Benefit from expert advice and support throughout the process.
Why Work With Harbour View Mortgages?
- Whole-of-Market Search: We compare mortgages from a wide range of lenders to find the most competitive deal you qualify for.
- Independent & Regulated: We’re a regulated mortgage broker working entirely in your best interest, not the lender’s.
- Save Time: We do the shopping around for you — one conversation and we handle the rest.
- Free, No-Obligation Consultation: Your first consultation with Harbour View costs you nothing.
Mortgage Protection FAQs
Do I need mortgage protection insurance in Ireland?
For most residential mortgages, mortgage protection insurance is a legal requirement in Ireland, with limited exemptions (for example some borrowers over 50, or those who can't get cover for health reasons). We help you arrange suitable cover.
What is the difference between mortgage protection and life insurance?
Mortgage protection is a decreasing-term policy designed to clear your outstanding mortgage if you die during the term. Life insurance can provide level or broader cover for your family's wider needs. We can advise on both.
Can I switch my mortgage protection policy?
Yes. You are not obliged to take the policy offered by your lender — you can shop around for better value. We compare providers to find suitable cover at a competitive price.
How much does mortgage protection cost?
The cost depends on your age, health, the amount of cover and the term. Because prices vary between insurers, comparing the market can make a real difference — which is what we do for you.
Related guides: First-time buyer guide · How much can I borrow? · Mortgage approval process
Contact Us
Ready to protect your home and family? Tell us a few details and one of our regulated mortgage advisers will be in touch to compare mortgage protection cover and find the right policy for you — with a free, no-obligation consultation.
