Mortgage Protection Quote

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Google Reviews

Had an amazing experience with Richie Westman. He was patient, super accommodating, and very clear on his explanation when I had questions. I really appreciate his time and expertise, his help will certainly alleviate the some of the stress involved in securing a mortgage.
Alexandra M.
Alexandra M.
1711535164
Had an outstanding experience with Low Quotes, especially with Alan, while arranging mortgage protection. Alan's professionalism and assistance made the process incredibly smooth. His proactive approach alleviated our stress, as he went the extra mile to stay in touch and ensure we had all necessary documentation to finalize our mortgage. Highly recommend Low Quotes without hesitation.
Jennifer M.
Jennifer M.
1711193984
I would rather not think of any other company to deal with Life insurance and Mortgage protection. I dealt with Seamus who really helped me understand the process as I was a newbie, by providing an exceptional service and information. 100% friendly experience and a very smooth process.
guddu S.
guddu S.
1710944439
I cannot speak highly enough of Bernadine Day. Our mortgage journey was not a straightforward one and I can honestly say we wouldn't have gotten through it without Bernadine's help. She pointed us in the direction of the right lender for us and guided us through the process with professionalism and empathy. Her knowledge, expertise and kindness are unparalleled. She was always available by message or by phone to answer any questions we had or to assuage any anxieties we had. She dealt with our lender on our behalf and was always prompt in relaying messages from them and in passing on any requests they had for documentation. Bernadine was so helpful too in explaining the different jargon and terminology we weren't used to. She will always have our gratitude for guiding us through the journey and into our dream home.
Louise K.
Louise K.
1710936981
There is no other mortgage broker like Bernadine Day. Our mortgage journey was not the most straightforward, and having Bernadine on our side through it all was a blessing. She has vast experience and a can-do attitude ~ she is the reason my partner and I have this mortgage.If you are beginning your mortgage journey, chat to Bernadine. You will be in the best hands possible.10/10, highly recommended.
Kind J.
Kind J.
1710849132
Richard Westman and the team are LowQuotes are super helpful. Really helped us get the best deal on Mortgage Protection very efficiently. Very professional and easy to deal with.
Barry B.
Barry B.
1710702634
I had recently inquired about life Assurance in January and I had Richard Westman looking after me, I would highly highly recommend Richard, he was great to work it, he was keeping me in the loop and helping me get the best quotes of cover. I am delighted with the deal he got me and I would definitely come back for anything else I want to add or any queries I would have.
leah H.
leah H.
1710498030
Very Good company to deal with, we dealt with Seamus who gave us clear easy to understand information and was very reassuring when we had questions or requested clarity on any issues if we had. Overall would recommend this company to anyone who is looking for any quote's. Thanks again Michael and Amanda
Michael C.
Michael C.
1710368841
Very good company to deal with. we dealt with Seamus who gave us clear easy to understand information and was very reassuring when we had questions or requested clarity on issues. Overall would recommend this company to anyone who is getting a mortgage Protection life cover, or anything they are the best to deal with I won't be changing again. Thanks so much for a fantastic team. 😀😀😀
Angela D.
Angela D.
1710368070
Richard Westman was extremely helpful and efficient when sorting our life cover. He also was really friendly which made the experience even better. Thank you!
Rebecca N.
Rebecca N.
1710172147
Bernadine Day worked tirelessly to remortgage my home. At times it was difficult to navigate due to my complicated housing portfolio but Bernadine`s support and efficiency guided me through the rough waters. She really does go above and beyond to help achieve the best rates for her customers. I are hugely grateful to her. Bernadine`s communication is always clear and concise and no issue is ever too big for her to assist with. Thank you for your help, I will no doubt be back if I purchase again.Date of experience: March 2024
Margaret M.
Margaret M.
1709984378
Dealt with Richard for my life assurance requirement and found the whole process easy and straightforward. He was pleasant, efficient and tactful and came up with a good price for my needs and agreed to be available for any other future requests in this area. Service very good
Fran M.
Fran M.
1709820884
We got best quotes from LowQuotes. Whole process was easy and hassle free because of Advisors (Alison Fitzpatrick). She was every helpful and responsive for each query.
abhineet K.
abhineet K.
1709743827
Richie has been very thorough with the details of the mortgage protection that we are hoping to avail. He let us understand how the benefits can impact us in the most simplest terms. Furthermore, he was tactful and patient with every queries we asked. Well done, Richie.Thank you.
Sweeter than H.
Sweeter than H.
1709735005
I have to say absolutely my pleasure to work with this company they're amazing people and so helpful they're the best of the best 👌 👍
Behnam R.
Behnam R.
1709651101
Richard Westman was incredibly helpful, reassuring and listened to what my needs were. It was a very smooth process and delighted to have taken out Life Cover that suits our families needs.
kara H.
kara H.
1709127351
Get service - honest & informative. Highly recommend
Holly M.
Holly M.
1709126609
Had a great experience. Richie my advisor was on hand to answer any questions. He was also very responsive and found the best solution for my specific needs in a timely fashion.I intend to use Richies services again and will be recommending to family and friends.
mackieboy1989
mackieboy1989
1709072806
Richard was very helpful in the process of our application he made everything straight forward for us, we would recommend him to others goin' forward.
Darren Mc N.
Darren Mc N.
1708966450
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Unsure about any options on the form? Don’t know how much cover you need? Don’t know which Mortgage Protection Insurance is suitable for you? Call our expert advisors for your free no obligation advice & quote.

Benefits of LowQuotes
Mortgage Protection Cover

  • €50 Cash back on policies over €30p/m*

  • Free 'Will Kit' worth €120*

  • Compare every provider in 30 seconds

  • Up to 30% discount online

  • We beat any competitors quote

  • Quote, Apply, Sign, Online

  • Cover available in 10 minutes

  • Guaranteed lump sum payment in the event of death to pay off your Mortgage

  • Your premium is fixed for the full term of the policy

  • Serious Illness Option available that pays out on diagnosis

  • Dual cover available at no extra cost compared to Joint cover

  • Cover available from €2.30 per week

  • Covered up to the age of 91

Our Business Partners

Related Products

Life Insurance

Tax free payout to your family if you pass away.

Get your quote

Serious Illness Protection

Tax free payout on diagnosis of up to 40 critical illnesses.

Get your quote

Income Protection

Pays you a replacement income if you are unable to work due to illness or injury.

Get your quote

Mortgage Protection Information

Mortgage Protection is a cheaper, decreasing form of Life Insurance, tailored to pay off the outstanding balance of your mortgage in the event of your death during the term of your mortgage. Mortgage Protection runs for the same length as your Mortgage.

Placing the right cover to protect your home is essential, and it is a requirement by your Mortgage lender to have protection in place for your home.

Your premiums will be fixed and frozen for the full term of the policy.

  • Single Cover

    Only one person is covered under the policy. If this person dies within the term of the policy – The cover amount will be paid to the policy holders estate or lender (Whichever chosen)

     

    Dual Cover

    Both people are covered under this policy and is a popular choice as it comes at no extra cost compared to Joint Life Cover. It pays out on the first death and second death.

     

    Joint Cover

    Two people are covered under the one policy. But only pays out on one death. For example “Joint Life, First death” will pay out when the first person dies, and nothing when the second person dies.

  • Absolutely not. In fact, We recommend you do not take out Mortgage Protection from your lender, as their premium will be much higher, mainly because they usually only quote from one provider. We will find you the cheapest quote available to you by comparing every provdier in Ireland. 
It won’t take long at all with Lowquotes.ie, as you can digitally sign your documents online (With optional guidance over the phone). Meaning once you’ve signed.. We submit your documents with urgency to your chosen Insurance provider and it’ll be through in no time, so you can then provide proof to your lender.
We can have you on cover within 10 minutes.

Mortgage Protection in essence is Life Insurance, The only differences are

  1. It’s assigned to your Mortgage lender
  2. Cover amount decreases

The cover amount decreases in-line with the amount owed on the Mortgage loan, until it reaches 0. It would always be our advice to take out a “Term Life Insurance” policy instead, as when the Mortgage Loan is paid off.. The life cover remains and pays out to your family in the event of your death.

Term Life Insurance can be assigned to your lender, just like Mortgage Protection, but you’re left with Life cover when your Mortgage is paid off.

Another benefit of Life Insurance is that if a claim was made half way through your Mortgage, your remaining Mortgage loan would be paid off and the remainder of the cover amount is paid out to your family. If you want to know more have a look at our article explaining the many differences between Mortgage Protection and Life Insurance.

Serious Illness Protection can be accelerated to your Mortgage Protection, that in the event of a specified serious illness some or all of the outstanding amount of your mortgage (whichever amount is chosen) can be paid off to release the burden of mortgage repayments while you are recovering.

Call us if you wish to have Serious Illness Cover added to your Mortgage Protection.

It is important to note that mortgage protection does not cover your actual mortgage repayments if you cannot work due to sickness or redundancy. In this instance, you would need ‘mortgage repayment benefit’ available from your lender which can be built into your mortgage repayments.

As with Term Life Assurance, the cost is on an individual basis and is based on the following:

  • Amount of cover taken out (normally the mortgage sum affected).
  • Term (fixed for same term as the mortgage).
  • Age.
  • Gender.
  • Smoker / Non-Smoker.
  • General state of health.
Extra Optional Benefits will also add to the cost:
  • If Serious Illness Protection is chosen
  • Rider Benefits in the form of Hospital Cash benefit, Accident Cash benefit, Surgical Cash benefit

If you want to know more have a look at our article comparing the cost of Mortgage Protection & Life insurance

Royal London’s Helping Hand gives you one-to-one Personal Support from Royal London.

This free extra includes:

  • Providing bereavement counsellors, speech therapists, face-to-face medical opinions, therapies, massages, physiotherapy for serious health issues
  • Cardiac rehabilitation support
  • Support for coping with cancer
  • Family support for the loss of a loved one

Aviva Best Doctors is a second medical opinion is also available from Aviva for your Income Protection. This free extra includes:

  • A comprehensive professional review of your diagnosis/injury/treatment without you having to leave home.
  • Access to information from highly qualified specialists.
  • A personal Best Doctors Nurse care manager – Who will collate information about your condition to specialists, and inform you of any updates.

This is a mortgage where the amount of loan decreases over the term of the policy through the payments of capital and interest on the mortgage loan.

Mortgage Protection is a low cost life cover benefit which decreases each year in line with the decreasing value of your mortgage, with the premiums remaining the same throughout the term of the policy. It is suited to those whose principal concern is to ensure the mortgage is paid off in the event of their death.

Although, Mortgage Protection is cheaper than Level Term Life Cover, individuals with other commitments, and those with a family normally opt for a more substantial form of life cover, where affordability allows it, to cover the financial needs of their family.

This is a mortgage where the amount of loan decreases over the term of the policy through the payments of capital and interest on the mortgage loan.

Mortgage Protection is a low cost life cover benefit which decreases each year in line with the decreasing value of your mortgage, with the premiums remaining the same throughout the term of the policy. It is suited to those whose principal concern is to ensure the mortgage is paid off in the event of their death.

Although, Mortgage Protection is cheaper than Level Term Life Cover, individuals with other commitments, and those with a family normally opt for a more substantial form of life cover, where affordability allows it, to cover the financial needs of their family.

To ensure continued financial security in the event you consolidate your loan through a mortgage top up or indeed extend your mortgage term for financial affordability, you will be required to restructure your mortgage protection policy. Your new premium is likely to be higher as you extend your cover over a longer term and because you may be older than when you took out your original cover, all of these factors need to be protected.

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Coronavirus Covid 19 Information

We would like to assure our customers that although this Worldwide Pandemic has struck our Nation hard, we are still here for our new and existing customers. All phone calls and emails will be dealt with accordingly.

In the unfortunate circumstance that a customer contracts COVID-19 and dies, our life policies would pay out in line with our usual claims philosophy.

All Consultations will be held by Phone or Online via Computer/Smart Device to remove face-to-face interactions and keeping in line with social distancing guidelines recommended by the Government.

We at Lowquotes.ie hope you, your family and your loved ones stay safe & healthy in this time.