Mortgage Protection Insurance: Safeguard Your Home & Family.
Your mortgage is likely your biggest financial commitment. Protect it with specialist advice from a carefully selected panel of leading UK insurers, ensuring the right cover at the right price for your circumstances.
As with all insurance policies, conditions and exclusions will apply.
Selected Insurers
Income Protection, Critical Illness, Life Assurance & ASU (Accident, Sickness & Unemployment) cover
Understanding Mortgage Protection Insurance
Mortgage protection is a range of insurance policies designed to ensure your monthly mortgage payments are always covered, even if your income stops due to illness, redundancy, or death. Having a mortgage is a huge long-term commitment, and protection provides a vital safety net. We specialise in tailoring policies including Life Insurance, Critical Illness Cover, and Income Protection to your specific financial commitments, helping safeguard your home and finances for the future.
Comparison Across Providers
We compare policies across multiple providers to find the right cover for you — not tied to a single insurer.
Reviewed When You Remortgage
When your mortgage changes, we check your protection still fits — included as part of our service.
Why Choose KB Mortgage Solutions
- ✓Products from a carefully selected number of insurers to provide a fair analysis of the market for Income Protection, Critical Illness, Life Assurance & ASU (Accident, Sickness & Unemployment) cover
- ✓FCA-regulated advice personalised to your circumstances (Firm Reference: 783508)
- ✓£295 fixed fee — payable on application — never upfront
- ✓Property Membership Guarantee — all future like-for-like remortgages arranged free
- ✓Speak directly to Karl — one dedicated adviser, not a call centre
- ✓No hard credit searches during initial assessment — your credit file is protected (a hard search is required at full mortgage application, as standard)
- ✓UK-wide service by phone and online — no need to travel
Lender criteria vary. Eligibility depends on your individual circumstances, the specific lender, and the full details of your credit history.
Our Insurance Partners
We offer products from a carefully selected number of insurers to provide a fair analysis of the market for Income Protection, Critical Illness, Life Assurance & ASU (Accident, Sickness & Unemployment) cover (ASU cover provided by Wessex and MetLife). We believe it's vitally important for families and homeowners to financially protect themselves and their loved ones.
Types of Mortgage Protection
The right protection depends on your mortgage, your income, and your family situation. We recommend only the cover you actually need.
Life Insurance
Pays off your mortgage or provides a lump sum to your family if you die during the policy term. Essential if anyone depends on your income for mortgage repayments.
Critical Illness Cover
Pays a lump sum if you are diagnosed with a specified serious illness such as cancer, heart attack, or stroke. Can be added to life insurance or taken as a standalone policy.
Income Protection
Replaces a portion of your income if you cannot work due to illness or injury. Covers your mortgage payment and living costs until you recover or the policy term ends. 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.
Mortgage Payment Protection (MPPI)
A short-term policy covering your mortgage payments for a set period (typically 12–24 months) if you lose your job or become ill. Different from income protection in scope and duration.
Family Income Benefit
Pays a regular tax-free monthly income to your family if you die during the term. Often more affordable than standard life insurance for the same level of practical cover.
Decreasing vs Level Cover
Decreasing cover reduces in line with your mortgage balance — typically cheaper. Level cover stays the same throughout — suited to interest-only mortgages or if you want a fixed payout.
As with all insurance policies, conditions and exclusions will apply.
Do I Really Need Mortgage Protection?
Many homeowners put off arranging protection — but cover is typically cheaper and easier when you are younger and in good health.
- ✓If your family depends on your income to pay the mortgage, you are exposed without cover
- ✓Premiums are based on age and health — arranging cover sooner typically means lower costs
- ✓We review your cover at every remortgage through our Life-Time Guarantee (subject to terms)
With Protection vs Without Protection
A clear side-by-side comparison
| Scenario | Without Protection | With Protection |
|---|---|---|
| Death of a Mortgage Holder | Family must find repayments or sell | Mortgage paid off or income provided |
| Serious Illness | Relies on savings or statutory sick pay | Lump sum to cover mortgage and costs |
| Loss of Income | Mortgage arrears risk within months | Monthly payments covered during recovery |
| Remortgage or Term Change | Cover may no longer fit | We review and adjust at every remortgage |
| Cost | £0 — but full financial exposure | Typically a few pounds per week |
We review your protection at every remortgage to make sure your cover still fits your circumstances.
Karl Burns — Specialist Mortgage Adviser
Karl Burns is the founder and principal adviser at KB Mortgage Solutions. With over 10 years of experience and more than 1,000 mortgages arranged — many for clients turned down elsewhere — Karl has the lender relationships and specialist knowledge to find solutions that mainstream brokers simply cannot access.
Over 100 Five-Star Google Reviews
Most of our clients come from recommendations — a testament to the service Karl provides.
Your Questions Answered
Got questions? We've got answers. If you need more detail, we're just a phone call away.
Explore Our Other Mortgage Services
Whatever your situation, we have the right mortgage solution for you.
Bad Credit Mortgage
Bad credit does not mean no mortgage. We search 100+ lenders including specialist adverse credit providers for CCJs, defaults, IVAs and more.
Learn MoreRemortgage Advice
Don't let your current deal expire onto an expensive standard variable rate. Access over 100 lenders - including exclusive broker-only rates - with expert guidance tailored to your circumstances.
Learn MoreBuy-to-Let Mortgages
Expert buy-to-let mortgage advice from 100+ lenders. First-time landlords to portfolio investors. Free consultation, £295 fixed fee. FCA-regulated. Call today.
Learn MoreFirst-Time Buyer
Need your first mortgage? Get expert guidance, compare the best first-time buyer mortgage rates, and unlock low-deposit schemes. Start your application.
Learn MoreMortgage Advice & Planning
Get expert mortgage advice services & planning from KB Mortgage Solutions. We guide you through every stage of your mortgage journey.
Learn MoreNo Deposit Mortgages
Can you get a no deposit mortgage? We specialise in 100% LTV products, including guarantor and family schemes. Get expert advice to buy your first home.
Learn MoreSelf Employed Mortgages
Get the self employed mortgages you need. We specialise in complex income, Limited Company, and 1 year accounts for sole traders across the UK. Enquire today.
Learn MoreLife Insurance & Protection
Specialist protection advice tailored to your circumstances. Life insurance, critical illness cover and income protection from a carefully selected panel of leading UK insurers.
Learn MoreAs with all insurance policies, conditions and exclusions will apply.
Get in Touch — It's Free
A free conversation gives you a clear, honest picture of your options — no jargon, no pressure, no commitment.
- ✓No hard credit check during initial assessment (a hard search is required at full mortgage application, as standard)
- ✓Speak directly to Karl — not a call centre
- ✓£295 fixed fee — payable on application — never upfront
- ✓UK-wide service by phone and online