Mortgage Protection Quote

Mortgage Protection Quote

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Google Reviews

Best deals for mortgage protection. I recommend "low quotes". Time saver as there wont be any queue/call waiting if you want to talk to them. It is a direct phone which rings and they answer straight away. Talking to Alison was really great to deal with. Money saver compared to other insurance providers.
Uday Bashaboina
Uday Bashaboina
Found Low Quotes very easy to deal with, very informative and communication regarding every aspect excellent especially staff member Michael.
Trisha Fallon
Trisha Fallon
I reached out to in relation to securing mortgage protection. I spoke with one of their financial advisors - Colin Bailey who was incredibly helpful, insightful and transparent. I'm not well versed on these things and he took the time to explain everything in detail and ensure I was comfortable moving forward. Thank you Colin! I'd highly recommend
Jack Coldrick
Jack Coldrick
Very happy with my policy through lowquotes...was dealing with Dylan who was very helpful in every aspect and went up and beyond to help me out and get the best policy possible to suit me...will definitely be recommending family and friends to deal with Dylan.Thanks again for all your help Dylan your a great asset to lowquotes 🙂
norman murray
norman murray
In a generation where trust and loyalty isn’t everyone’s first priority. I have never felt more looked after in regards to insurance advisory and future planning than in the very capable hands of Mr Dylan Cadwell. A 5 star service from the beginning this is a man who is passionate and driven in giving truly a first class service to all his clients and potential clients no matter what the circumstances or obstructions might be. All I can really say is that if you’re not on board now, it’s time to get the ball rolling before it’s too late, Dylan Cadwell is a true professional who won’t let this opportunity get away.
Cameron Elliott
Cameron Elliott
I recently had the pleasure of working with Dylan, my financial advisor, and I couldn’t be more grateful for his expertise and guidance. He helped me set up a health care plan that perfectly suits my needs and those of my two kids. Dylan’s knowledge and professionalism were evident throughout the process, and he patiently answered all my questions. I highly recommend Dylan for anyone seeking financial advice and assistance. Thank you, Dylan, for your outstanding service!
kevin braney
kevin braney
I would like to thank Richard from lowquotes for helping me find mortgage protection, I was very stressed because I was refused already but Richard made everything stress free and as I work office hours it was no trouble for him to arrange a meeting to suit my needs, everything was done efficiently and smoothly and all email communication was quick, thanks for your help Richard it’s really appreciated
Dealt with Dylan Cadwell , incredible attention to detail and customer service. Unbelievably helpful from the get to and made the process so easy. Will definitely be going back and dealing with this company and with Dylan again.
Cian Reddy
Cian Reddy
Had a really great experience with low quotes. Big shout-out to Richard Westman who was extremely professional and helped us through out mortgage protection process very easily. We didn't have to worry about anything. I would recommend low quotes and go through Richard. Really great guy and extremely helpful.
Sheehan Sinha
Sheehan Sinha
Finally got some great help getting insurance, thanks so much with your help guys and Dylan cadwel you were great over the phone
Aaron Sheehan
Aaron Sheehan
Amazing service provided by Dylan Cadwell! Extremely professional and thorough experience throughout the whole process of implementing my cover! An absolute gem and went over and beyond to get me the best cover! I have recommended Low Quotes/ Dylan Cadwell to all my friends and family! Thank you Dylan for all your help!
Leanne Mullen
Leanne Mullen
Dylan Cadwell was very helpful today couldn’t recommend him any more!
Eoghan Farrell
Eoghan Farrell
Dylan Cadwell was very helpful and thorough in helping me find the best level of cover and protection. His advice and knowledge was fantastic and I am very happy I committed to speaking to low quotes !
Dylan provided outstanding financial advice, and the experience of dealing with him was truly enjoyable. Highly recommend his services!
Luke Byrne
Luke Byrne
I contacted today looking for a professional financial advice and it is safe to say that I received just that. Dylan Cadwell has outdone himself and walked me through every little bit of information that was relevant to my situation and made it very simple and easy to understand. I couldn’t recommend LowQuotes and Dylan more to anyone looking for a financial advise. Thank you!
Marcin Lis
Marcin Lis
Great service particularly from my financial advisor Dylan Cadwell. One of the best in the business
Cody McGrath
Cody McGrath
I would just like to thank the team at low quotes for helping me get the perfect policy in place for me and my family, our financial advisor Dylan Cadwell in particular who tailored a policy to suit out individual needs! The service and wealth of knowledge was next to none! I would highly recommend Dylan and low quotes to anyone!
eimear sherwin
eimear sherwin
We dealt with Colin and he was absolutely brilliant. Everything was explained perfectly and quickly and he made the process of getting our mortgage protection so quick and easy.Would 100% reccommend and ask for Colin!
Very nice people to work with. Would recommend
Adam Holland
Adam Holland
Great service from Colin Bailey who patiently covered all the options and answered all my questions, Mortgage protection cover sorted!
Many of my colleagues advised me to take a Life Insurance Policy. LowQuotes Colin Bailey helped me and my partner understand our needs and is very patient with our queries. Highly recommended.
What a great service and well educated staff highly dedicated to meeting my needs most notably Dylan Cadwell's exceptional attention to detail while providing services was truly commendable.His thoroughness and precision not only instilled confidence but also ensured that every aspect of the financial process was handled meticulously. I highly appreciate his commitment to delivering a service marked by keen attention to detail. His knowledge expands over a wide range of areas and I wish you luck in your future endeavours.Thank you
Mark Reynolds
Mark Reynolds
I recently had the pleasure of engaging with Dylan for insurance and mortgage protection services, and their commitment to outstanding customer service exceeded my expectations!When I reached out to inquire about insurance and mortgage protection options, he demonstrated an unwavering commitment to providing exceptional customer service with personalized attention, clear communication, and expertise.I confidently recommend Dylan to anyone seeking reliable and customer-focused insurance and mortgage protection services. His dedication to providing exceptional customer service truly sets them apart!
Paulo Sousa
Paulo Sousa
I dealt with a lovely man called Richard. He was very accommodating to suit me and my husband with a call back . He got us a great deal . We are very happy with what he helped us pick .
Richard was so helpful and explain the different policy we could go for. He was very patience with questions and gave get advice. Would definitely recommend him. Everything set up in no time and feel much happier now for the future. Thanks again
Fiona Jessup
Fiona Jessup

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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

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

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Mortgage Protection Insurance 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, 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 hope you, your family and your loved ones stay safe & healthy in this time.