Mortgage Protection Quote

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Your Team

Claire Clohessy

John Hourigan

Damien Fitzpatrick

Ciaran Dooley

Paul O'Brien

Adam Mac Maghnuis

Click below if you're looking for cover for your Family.

Google Reviews

I went to LowQuotes (Lendinghand) for a mortgage and Life cover. Would highly recommend them to anyone. Am a first time buyer and like many, daunted by the whole process so looked at brokers. Lending Hand came up the cheapest, and really are great value for money. I'll admit I was initially skeptical as unlike other brokers you pay upfront, at the beginning of the process. But you've nothing to worry about there whatsoever. As they'll say, they're with you the whole way.Bernadines been with me throughout the whole process from mortgage application to getting the keys. I cannot fault her at all. She really knows her stuff, is available, contactable, keeps everything moving and is absolutely bang on to talk to with any questions or concerns. All I can say is Bernadines been nothing short of brilliant. Couldn't recommend her highly enough. For the biggest step I've ever taken, I'm so glad that she was there.

Emily McGrath

16:07 28 Jun 22

From my first phone call and speaking with Ciaran Dooley, his assistance was greatly appreciated, straight forward and easy to understand. He was so pleasant to speak to and very accommodating and helpful. He returned calls and emails promptly and it was a pleasure to deal with him. First Rate

Mary Rooney

13:59 26 Jun 22

Damien was a pleasure to deal with! He listened to exactly what I wanted & needed for life insurance and I’m delighted with my policy. I have great peace of mind now. Would highly recommend LowQuotes.ie!

Leighann Rooney

07:30 25 Jun 22

Amazing service and advice provided on mortgage protection. Highly recommend.

Paul C

19:41 24 Jun 22

Richard and all the advisors were great!

Dee Power

14:22 24 Jun 22

I had a great experience. Very simple and straightforward process. I was given all the information I needed and I was able to make a decision based on that. John was so sound and I will be returning to Low quotes for further cover in the future. Highly recommend

Emma Desmond

11:07 24 Jun 22

Richard and Melissa were fantastic throughout our process, they answered any queries right away and always at the other end of the phone. Stress free and such an straight forward experience. Glad we will work with Richard throughout the years for advice and guidance.

Debbie Comiskey

18:15 23 Jun 22

Great service. Was looking for insurance and others companies was trying just to sell me and didn't hear my needs. Others couldn't explain me what is what. Until I got a call from low quotes. Kieran did a very good and professional job was very polite, explained me in 10-15 minutes I understand everything what I need and I made some savings. It's very important than you already have mortgage to pay.So I would and I am really highly recommending Low quotes. Fast simple and understanding people's needs and current economic situations and really try to save some money!!! Many thanks.. and best of luck...

mrvytas23

13:48 22 Jun 22

I applied to take out mortgage protection with Low Quotes.ie. John phoned me within a few minutes of me submitting my application. John was extremely helpful, had a great phone manner, huge knowledge in his field and took ownership of my application from start to finish. I never write reviews felt I needed to, as John went above and beyond to help me.

Aimée Hayden

14:55 21 Jun 22

Great service and found Adam to be very helpful in sorting out our Life cover in one phone call with all our needs covered at a very good price

Eileen Rochfort

14:18 21 Jun 22

I was bit suspicious before talking to them, now fully satisfied, Low Quotes & Better deals - Recommended

Jaish K Jacob

11:25 20 Jun 22

Found them really easy and helpfull to deal with.

colm brady

16:33 17 Jun 22

Highly recommend LowQuotes.ie, from the initial request for a quote online to signing our documents, only took 15 minutes. I spoke with Damien who was very professional and helpful, a pleasure to deal with.

Sharon OKeeffe

16:39 15 Jun 22

Easy process, best deal. Paul was easily approachable and helped with completing the process quickly.

ramesh savant

11:48 15 Jun 22

Very pleasant doing business with low quotes.ie. All communication was clear and concise and very accurate. All questions were promptly answered and a special thanks to representative Claire who’s was fantastic at helping me acquire my Life Insurance. I would highly recommend using lowquotes.ie. 5 Star Service.

Michael Turvey

17:23 14 Jun 22

Excellent service, I had a phone call with Damien and he talked me through the various options for what I required. I was delighted with the quotes received and I was able to complete all paperwork online as Damien talked me through it. Such an easy experience start to finish, wish I'd made the phone call sooner!

Jes Down

14:29 10 Jun 22

Great comprehensive service, direct to the point and totally professional and helpful. Would highly recommend them for all you insurance needs.

Liam Bourke

14:29 10 Jun 22

Extremely helpful and guided me from start to finish with patience and ease. Thank you

karen keating

12:52 09 Jun 22

Dealing with Damien has been a very straightforward experience, he knows his stuff inside out and there is no "bull" involved. Could not recommend someone better.Excellent service all-round!

Irina Condescu

12:10 08 Jun 22

Damien helped me organise mortgage protection insurance. I am a first time buyer so obviously I was unsure of the process. Damien followed up with me each time he said he would and was extremely thorough, helpful, kind and easy to deal with. I would highly recommend him and low quotes.ie. Another thing I loved was that I had a direct line for Damien so I could contact him at any stage with any questions I had. Thank you Damien.

Aine Roche

15:56 03 Jun 22

Very happy with service.

Robert Woodlock

17:35 02 Jun 22

Outstanding service from Damien .I never believed I could organise life cover so quickly and efficiently ,well done .Highly recommend

Majella Moynihan

13:52 02 Jun 22

I had very good experience with Paul from LowQuotes . I got good assurance policy offer very fast .It was done just on call . I recommend Paul and the company .

Malgorzata Miskiewicz

09:43 01 Jun 22

Bernadine helped me successfully purchase my first home. Applying for a mortgage, finding the right property, and closing the deal can be a long process. Seeking assistance was one of the best decisions I made. I couldn't be more happy and thankful for the phenomenal support I have had from Bernadine who truly went above and beyond seeing me through it all.

Matthias Matthiesen

14:40 30 May 22

Very good job with Richard that helped us a lot getting the documents ready and the final approval.

Chiara Battistoni

16:16 29 May 22

Really good advice, and cheapest rates around. I rang a few other providers and they either filled me with useless info, tried to upsell or were charging much more than Low Quotes. Ask for Damien, hes really helpful

Geraldine Rynne

12:52 26 May 22

I could not ask for any more or the professionalism was Top Class I would recommend anybody even my worst enemy to give these guys call

Gerard Olsson

11:39 26 May 22

Excellent service, Damien was patient and thorough in his approach. There was no feeling of being pressured into a product and the information provided was clear and concise. Thank You!

Orla Ni Cholmain

10:47 25 May 22

Bernadine went above and beyond to assist us through our complete mortgage process. I cannot commend her commitment and professionalism enough. There wasn't a question she did not have the answer to. Everything was made easy, from assisting with paperwork, mortgage protection, insurance, you name it she was on the ball. We would not have managed without her amazing support. I would highly recommend Bernadine. We are so grateful for all her efforts and are delighted to have the keys to our forever home! Thank you for everything.

Suzanne Fitzpatrick

15:42 24 May 22

Great, fast and efficient service! Claire was just lovely from start to finish when arranging our life insurance policy. Niamh was very informative when I made all initial enquiries. Was as good as a face to face chat and really explained the whole process without any pressure whatsoever. #goteam!Would highly recommend 😊😊😊😊

Sue Walsh

14:23 24 May 22

Really easy to deal with. John is super friendly.

Ciara Lawlor

12:31 24 May 22

Great, fast service

Martin Brady

14:27 23 May 22

Ciarán Dooley looked after my protection needs. Greta quotes and service. Second to none.

Noel Westman

14:04 23 May 22

I rang and spoke to John he was so helpful I would highly recommend him as he goes above and beyond to help to get the best quote myself and my partner are delighted John can't recommend him enough

sib Sib

13:58 23 May 22

We are first time buyer of a new build house , I can’t imagine I would have gone through the journey of mortgage application and approval without the help of low quote professional friendly people , thanks Joshua for your help at the initial stage of application and thanks Bernadine day for helping us throughout the process , you knew exactly what we need to do each step and you recommended us the best value in the market for mortgage and life Inssurance , so if anyone hesitating weather to go on their own or through a broker , I highly recommend to go through low quote professional people, you will save yourself a lot of time , sit backs and money as well , thanks again guys

sherif naas

08:02 20 May 22

Recently contacted Lowquotes with regards taking out mortgage protection . And from the get go they were so easy to deal with and extremely informative .We had the great pleasure of meeting Bernadine who was fantastic, friendly , professional and attentive.. Any questions or queries, were met with positive response ,always putting our needs first . Bernadine , would always ensure we were fully updated on the process.I would highly recommend LowQuotes to people looking for Mortgage protection,you will not regret signing up with these guys.Keep up the great work .

MarkT Gallagher

19:31 19 May 22

Me and my fiancé had the luck to have Richard as our broker, and he has gone above and beyond when it comes to customer care. I couldn’t recommend more. I love how caring and thoughtful Richard services is. 5 star ☺️

Thyara Moraes

17:52 19 May 22

Fantastic Customer Service. I was in touch with John from Low Quotes in reference to my Mortgage Protection policy. He gave me the best quote available in the market & made the whole process simple. He was so professional & was always quick to respond to all my queries. I highly recommend LowQuotes for anyone who is looking for high quality professional service.

Jayamohan Kuruvilla

14:51 19 May 22

We are FTB and we were very lucky to deal with Bernadine Day. We hadn't really a clue about the mortgage process, the requirements, timing etc but Bernadine was very clear and explained thoroughly what we needed to do and what's involved with the whole process of a mortgage. We dealt with Bernadine for our mortgage protection, she kept us updated on our application, as I've some health issues I was very concerned about getting approval and also what our premium might be. Bernadine liaised with the insurance company, she took so much pressure off us, she just knew what to do for us from the get go, kept communication open with regular updates. She was an absolute pleasure to deal with and I would recommend Bernadine 100%, she's on the ball, I've already referred some friends onto her !

caroline bollard

20:24 18 May 22

Really good experience using lowquotes.ie. Very friendly service, explained everything perfectly. Happy with the service.

ruth mcdonnell

13:38 11 May 22

Excellent service. Very quick and easy process. Damien was great to deal with and explained everything in detail to us. We had shopped around and this was the best quote we had received by far.

Michelle Glynn

13:35 10 May 22

Mr. Ciaran is very patient, transparent and professional. Many thanks

Luis Romeral

09:38 10 May 22

Ciaran is excellent and a credit to the company - 5* review !!

Ciaran Hafferty

16:34 09 May 22

Fantastic service! Thanks to Ciaran for being so helpful and quick arranging my life insurance.

dondons78

17:39 06 May 22

Very grateful to join for all his help getting our mortgage protection in place. I was procrastinating but John checked in with me every week and when I finally took the time to get all of our information together the process from there was pretty much seamless, stress free and I didn’t really need to do anything. Thanks John !

Tanya Cannon-Howley

16:57 05 May 22

Very helpful and friendly representative , very easy and fast to get a good quote and to start the policy

Amy Byrne

16:16 04 May 22

Great prices, easy to deal with

Sharon Cummins

10:04 25 Apr 22

I had a very good experience with LowQuotes.ie for my life insurance policy. I had a quote in few minutes and selected and applied for a policy on call. It was done in a matter of few hours. Very nice and easy to deal with. Would recommend 100%

Farhan Ahmad

14:26 22 Apr 22

Very reliable support

Ruchita Kumar

17:34 15 Apr 22

I was in touch with John .He was very helpful and talked me through the online application. The policy documents arrived within a few days.Very friendly .

Teresa O Connell

08:45 15 Apr 22

Hadn't a clue what I was at and to be honest was nervous about commiting to another payment. By the end of the call I was signed up and set up very professional, knowledgeable and answered all my stupid questions. Would highly recommend to anyone and already have to a few people.

greyman 87

17:54 14 Apr 22

I initially requested a quote online but ended up talking with Ciaran Dooley. He was extremely professional and answered all questions I had. He then gave me a list of different quotes and we eventually agreed on the one that would best suit my needs and budget. It was a very seamless process made all the more easier by Ciaran and his excellent customer service.

Aidan Moloney

17:45 14 Apr 22

Chatted with Damien after an online application separately by myself and my wife. He said it would work out much better to bundle together under one plan. We ended up with much better cover for less. Great company to deal with. Highly recommended.

Mark Lenihan

15:07 14 Apr 22

Damien was so professional, helpful and understanding from start to finish. It was a long process but he made it as stress free and easy as possible with constant updates and great communication. Would highly recommend!

Siobhan Levey

15:01 14 Apr 22

Spoke with ciaran, super fast and efficient and managed to get my policy for half the price I was quoted from elsewhere a few months previous. Delighted!

Nicole Daly

14:46 14 Apr 22

I spoke with Claire today which was an absolute pleasure. She was so professional and went above and beyond and has made this usually daunting experience so quick smooth and easy. I can’t thank her enough she was absolutely amazing and I couldn’t more highly recommend her to everyone. Thank you so much Claire

Susan Kennedy

16:56 13 Apr 22

Excellent Service. John Hourigan from LowQuotes was Detailed and to the point. Got the best quote for me and my family and walked me through the process and given the current inflation rate every euro saved is most welcomed.I could only recommend LowQuotes.ie

dermot brennan

16:23 12 Apr 22

Ciarán Dooley was my advisor today, he was so nice to deal with, he gave me a few options to see which policy would suit me better . He was very informative about the different choices I had. I never once felt pressured into the policy I chose. I couldn't recommend him enough. LowQuotes is the way to go. Thank you Ciaran.

Linda Mulraney

15:02 12 Apr 22

Richard Westman is very helpful and very quick at answering any questions that may arise. Extremely professional. Got many helpful advises from him along the way. Pleasure to deal with.

Irina Kricka

13:43 11 Apr 22

I had the absolute pleasure of talking to Damien today, he made the whole process really easy and talked me through every step. He went true all my options with honesty. Thanks again

Paul White

20:01 07 Apr 22

Spoke with Damien Fitzpatrick today . Absolute gentleman . Was so easy to deal with. I Purchased a policy from Damien today and definitely would recommend Damien as he is patient and understanding. He totally understands family life commitments and works with your budget. Damien is very down to earth and unbelievably patient . Thanks Damien if I ever decide to branch into insurance il be headhunting you.Kind Regards.

Rosita Brainard

10:50 07 Apr 22

Very efficient everything was done same day policy issued electronically it was a very easy process. Also good follow up on queries from the same advisor who dealt with my initial application.

emma maher

18:21 06 Apr 22

Exceedingly professional service with very down to earth staff answering all my questions with ease. Damien is very helpful, courteous and gave great advice

Yelenabelle

17:55 06 Apr 22

I dealt with John and from start to finish he answered every question i had, he explained any query I had, he went through all my options and gave me time to think, delighted to have started this process as it's one less worry for the future

Vikki Murphy

16:44 06 Apr 22

Claire Clohessy is fabtastic in explaning the details of income protection sceheme and gave me the best quite..I recommend everyone

Debjeet Roy

14:55 05 Apr 22

Our Adviser Damien was a dream to deal with. He explained everything in a very plain manner, leaving things easily understood and there was no time wasted. Damien made the whole process surprisingly easy and I highly recommend.

Lorraine McDonald

13:14 29 Mar 22

I found Richard Westman to be extremely helpful and informative on the whole process… He was very prompt at answering any queries that I had and I would definitely recommend him for other potential clients. He gave us loads of advice and put us on the plan that best suited our requirements… A pleasure to deal with.

Fergal Hehir

14:08 28 Mar 22

Super helpful and very efficient service. If you are looking to get sorted quickly and professio ally, ask for Claire. So pleased with the service and efficiency. Five stars are truly earned.

Saara Malmioja

10:00 28 Mar 22

Bernadine from LowQuotes was a joy to deal with while going through the stressful time of getting Mortgage approval. She kept on top of everything and made sure we had everything in place on time. I think i would have been under a lot more stress if we didnt have someone liks Bernadine on the case. I would definitely recommend.

Paula McGrath

15:34 25 Mar 22

Very quick in responding to you, Paul contacted me and did not try push high priced quotes on to me, quickly went over things with me and felt at ease throughout.Highly recommended 👌

Dean Jackson

20:23 24 Mar 22

Excellent service. Joshua was extremely helpful and provided a lot of guidance throughout the process. I would definitely recommend them.

Marius Dragomir

09:57 17 Mar 22

Claire was great to deal with, ended up with a much better policy, and also cheaper, 5 stars

Keith Toomey

13:00 10 Mar 22

TOP CLASS SEVICE FROM JOHN HOURIGAG.VERY PROFESSIONAL I WOUD DEFINITELY RECOMMEND .MANY THANKS JOHN H.

Edith Varga

21:09 08 Mar 22

Where do I start?! Richard is a master at what he does. The support he provided to my partner and I was second to none. He went above and beyond to reassure us at every step of the way. I couldn't imagine doing all of this by ourselves without Richards hard work and attention to detail.

Shaena Keenan

12:03 06 Mar 22

We’re so glad we opted to go with Low Quotes. Joshua has been a pleasure to interact with, going above and beyond in terms of proactively checking in with us and providing much valued advice and guidance. I don’t know how we would have navigated the mortgage process without him. Bernadine was also very helpful and patient when guiding us through life insurance options. Thank you both for simplifying a process that would otherwise have been a source of stress!

Bernadette McEvoy

16:44 05 Mar 22

Definitely recommend. Quick at answering emails. Provide educated advise, the whole process of taking out insurance was very quick.

Rita Skersyte

19:22 03 Mar 22

Damien was so flexible and went above and beyond to get me and my husband the right policies to give us both peace of mind for decades to come. Would definitely recommend 🙂 great value for money too!

Grace Govan

19:10 03 Mar 22

Excellent service from start to finish , Claire gave me all the information I needed and assisted me with all my queries explaining them all in great detail , thank you and would highly recommend.

Sinead Platt

16:40 02 Mar 22

Claire was very helpful and the process was quick and easy.

Andrew Doherty

14:26 28 Feb 22

Amazing efficient and professional experience

liam griffin

12:14 28 Feb 22

Some of the best service I have ever experienced in a business. Working with Bernadine to get a mortgage I honestly would not have stood a chance of getting through this process on my own. From countless calls and guidance I am very happy to say that she got me the money that I needed. Professional, experienced and hard working I have already recommended this company and will continue to do so to anyone looking for a mortgage, insurance or anything else in this space! Thanks again for all the hard work!

Sam Lannin

16:19 18 Feb 22

I have just started a policy with that so I am very new to the company. But it was easy to set up and the man on the phone to me was very very helpful.

gary kinsella

12:33 18 Feb 22

Very easy to deal with, cheapest by far for the exact same policy priced elsewhere. My Advisor, Damien, was very friendly, honest and straight talking. The whole process was completed simply and promptly. While I thankfully have not had to make any claims, I would definitely use them again when seeking other policies.

Fiona Kelly

12:52 16 Feb 22

My husband and I found John H to be an absolute pleasure and extremely helpful and supportive during this time. Buying a house isn't easy but this part of the process was so smooth and John was very proactive and very invested in guiding us and helping us through. Highly recommend low qoutes , especially John as he was sush a gent, he answere every question and concerns we had. Great peace of mind knowing he was there at the end of the phone or emails. Thank you very much John.

Claire Hyde

12:03 14 Feb 22

Very easy process with excellent service .Damien was very competent in his work explaining every detail and we got a great price from him . Damien had great customer service and would highly recommend him 💯

Margaret Gilbert

09:54 14 Feb 22

Fast service very happy!!!

Vidas G

16:26 11 Feb 22

Brilliant to deal with clare in particular was friendly and efficient made one job of getting a mortgage easier 😁

Noelle Conway

14:52 11 Feb 22

John Hourigan was fantastic he took great care with my call, he was careful about the product I was purchasing to ensure it was the correct product for me. Excellent customer service, I would highly recommend talking to John. Thanks

Sharon Boles

13:13 11 Feb 22

Bernadine was terrific to deal with from start to finish. We got a great low interest rate for our mortgage. Would highly recommend. Make sure to ask for Bernadine!

baz joyce

16:25 04 Feb 22

It was brilliant from start to finish easy to talk to great guidance I knew from the first minute talking to Claire that I was going to go with them.

Simon Barry

16:14 28 Jan 22

Excellent service - from the first call with Ciarán through to taking out policy, and the admin follow up from Nicola - a great team!Really easy and efficient process - could not have been any easier in fact. Highly recommend. Thanks so much Ciarán and all, a pleasure to deal with LowQuotes.ie.

Triona Winter

13:47 25 Jan 22

An extremely professional company. Our agent Damian was very helpful and stayed in contact throughout the whole process. Explained everything in detail and in simple form, no jargon. Any queries I had were answered straight away. A pleasure to deal with all round and a lot cheaper than our last insurance company

Tracy Nolan

15:45 24 Jan 22

The team was very responsive and answered all the questions I had. It helped me build the trust I need to buy a pension plan with them.

Rick M

14:45 21 Jan 22

Richard was very helpful from the minute we enquired about our mortgage. He responded to my queries hugely effectively and wasted no time in updating information and the progress of the mortgage application. He spoke to me personally over the phone on numerous occasions to explain the process involved at every stage. He also explained the repayments and rates very simply, so I knew the financial involvement straight away. He was friendly, approachable, reassuring and always optimistic...

Jacinta Moran

13:59 19 Jan 22

Damian really took the time to explain everything thing to me. He was patient and had no problem answering any of my questions. He went through everything on the policy thoroughly. He rang me back very quickly after I left a message. Overall experience was very positive. Mary O Shea

Mary O'Shea

18:20 13 Jan 22

Damien replied almost instantly. I was looking for mortgage protection, but he managed to add a range of other cover for half the price I am currently paying another company for just mortgage protection. Delighted to be saving money!

Caroline Duffy

11:35 13 Jan 22

Claire was amazing. I had my mortgage protection policy complete and ready to go in less than an hour. Very professional, empathetic and so kind. 10000% would recommend

Jane Gobbett

12:36 12 Jan 22

Spoke with Damien. He was very helpful.

Alan Murphy

13:49 11 Jan 22

Very easy and fast to deal with, Damien got me a very decent price. I had one 10 minute phone call with him to do a health questionnaire and then I had my life assurance policy emailed to me within 2 working days. It was extremely handy to be able to sign the forms electronically via LowQuotes to cut out any delays of posting back and forth forms.

Niall Crowley

12:13 11 Jan 22

Made setting up a mortgage protection policy the easiest part of applying for the mortgage!! Damien was exceptionally helpful and knowledgeable, and was able to talk us through from start to finish, and we had the documents on the same day. There was one small issue with the paperwork which once identified was corrected within the same day. Would highly recommend lowquotes.ie.

Emma Flynn

17:19 10 Jan 22

I did an online estimate and got a phone call from Damien literally a minute after. Damien was absolutely fantastic and couldn'd have been more helpful! very professional advisor, his communication skills and friendly style made my experience with LowQuotes very pleasant. The process was quick and exactly what I needed. I can't recommend LowQuotes enough, a big thanks to Damien!

Joelma Contin

12:44 23 Dec 21

Very quick and low friction process. Easy to understand products and helpful sales interaction.

Ben Hill

06:29 23 Dec 21

I was dealing with John today for about my new policy. Best service ever and good price! Thanks John!

Marius Jocius

16:35 22 Dec 21

Richard Westman has been my mortage advisor and he has been extremely helpful from day one. No question has been too silly and he has kept in contact with me regularly regarding my mortgage. He has made the whole process very simple and taken the stress out of the application process. I would highly recommend him.

Belle walsh

16:03 22 Dec 21

I spoke with Alan and he was very helpful and professional. Alan made our journey with LowQuotes easy and effortless. Outstanding service provided and would highly recommend to family and friends.

Shannon Pender

14:55 22 Dec 21

Nicola from LowQuotes was very prompt and efficient with all paper work required. Very pleasant and approachable.Highly recommend

Liam W Carroll

14:08 22 Dec 21

Speak to an Advisor

Unsure about any options on the form? Don’t know how much cover you need? Call our expert advisors for your free no obligation advice & quote.

Benefits of LowQuotes
Mortgage Protection

€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

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

Your Team

Claire Clohessy

LIFE & PENSION DEPARTMENT

John Hourigan

LIFE & PENSION DEPARTMENT

Ciaran Dooley

LIFE & PENSION DEPARTMENT

Damien Fitzpatrick

LIFE & PENSION DEPARTMENT

Paul O'Brien

LIFE & PENSION DEPARTMENT

Adam Mac Maghnuis

LIFE DEPARTMENT

Catherine Edmonds

LIFE & PENSION DEPARTMENT

Sinead Fogarty

Administration DEPARTMENT

Nicola Moran

Administration Department

Mortgage Protection Information

What is Mortgage Protection?

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.

Who can be covered

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.

Do you have to get Mortgage Protection from your lender?

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.

How long does it take to take out Mortgage Protection with Lowquotes?

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.

What's the difference between Life Insurance and Mortgage Protection?

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

It’s assigned to your Mortgage lender
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.

Can I get Serious Illness Protection with Mortgage Protection?

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.

How much does Mortgage Protection cost?

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

What is helping hand benefit?

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

What is best doctors?

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.

What if I have a repayment Mortgage?

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.

What if I have an Interest Only Mortgage?

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.

What happens if I want to top-up my Mortgage?

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.

Mortgage Protection Quote

Your Team

Click below if you're looking for cover for your Family.

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Benefits of LowQuotes
Mortgage Protection

€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

Related Products

Life Insurance

Serious Illness Protection

Income Protection

Your Team

Claire Clohessy

John Hourigan

Ciaran Dooley

Damien Fitzpatrick

Paul O'Brien

Adam Mac Maghnuis

Catherine Edmonds

Sinead Fogarty

Nicola Moran

Mortgage Protection Information

Single Cover

Dual Cover

Joint Cover

Quick Call Back

Contact Info

Coronavirus Covid 19 Information

Mortgage Protection Quote

Your Team

Click below if you're looking for cover for your Family.

Google Reviews

Speak to an Advisor

Benefits of LowQuotes Mortgage Protection

€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

Related Products

Life Insurance

Serious Illness Protection

Income Protection

Your Team

Claire Clohessy

John Hourigan

Ciaran Dooley

Damien Fitzpatrick

Paul O'Brien

Adam Mac Maghnuis

Catherine Edmonds

Sinead Fogarty

Nicola Moran

Mortgage Protection Information

Single Cover

Dual Cover

Joint Cover

Quick Call Back

Contact Info

Coronavirus Covid 19 Information

Benefits of LowQuotes
Mortgage Protection