Our Expertise
Mortgage Payment Protection
Mortgage payment protection insurance is short-term cover designed to help meet mortgage payments if you are unable to work.
Overview
What is mortgage payment protection?
Mortgage payment protection insurance, often shortened to MPPI, is designed to cover your monthly mortgage payment for a limited period if you cannot work. Policies are usually offered on an accident and sickness basis, an unemployment basis, or both combined.
Benefit periods are typically limited, commonly around twelve to twenty four months, which makes MPPI a short-term safety net rather than a long-term income solution.
Who might this be suitable for?
- Employees concerned about involuntary unemployment
- Households wanting a short-term buffer over the mortgage payment
- Clients who find full income protection unaffordable
- Borrowers with limited savings to fall back on
How Help to Lend can help
- 01We explain how MPPI differs from longer-term income protection.
- 02We check exclusions carefully, particularly around unemployment cover.
- 03We consider whether a combination of covers gives better overall resilience.
- 04We keep the recommendation proportionate to your budget.
Assessment
What may lenders and providers consider?
Benefit period
Payments are typically limited to a set number of months per claim.
Exclusion periods
Unemployment cover usually has an initial period during which claims cannot be made.
Employment status
Self employed clients are treated differently, particularly for unemployment cover.
Existing arrangements
Savings and employer benefits may already cover part of the risk.
Criteria vary between providers and can change at any time. Nothing here confirms that a particular lender or insurer will accept an application.
The Process
How we work through it together.
- 01
Understand
We start with a conversation about your circumstances, plans and objectives.
- 02
Assess
We review your position, affordability and mortgage requirements in detail.
- 03
Recommend
We identify suitable mortgage and protection options and explain the reasoning.
- 04
Apply
We prepare and manage the application, liaising with the lender on your behalf.
- 05
Progress
We keep the case moving and keep you informed at every stage.
- 06
Complete
We support you through to completion and remain available afterwards.
FAQs
Frequently asked questions
Related
Related expertise
Speak to an adviser about your circumstances.
We'll explain the options clearly and tell you what to prepare, with no obligation.
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