Fee-free mortgage protection advice for families in Southampton, Romsey and across Hampshire. We compare life insurance, income protection, critical illness cover and home insurance from the whole of the market.
Mortgage Protection Insurance
Mortgage Protection Insurance
Getting the right mortgage is just the start. We help you protect your home, your income and your family with tailored insurance solutions, so you can own your home with real peace of mind.
Many standard mortgage lenders insist that buildings insurance is in place as a condition of your mortgage. Beyond that, protecting your income and your life can be just as important as finding the right mortgage deal in the first place.
At Alexander Southwell Mortgage Services, we compare protection products from a comprehensive panel of insurers to find competitive deals tailored to your personal circumstances. Our advisers take the time to understand your situation before recommending cover — we never offer a one-size-fits-all solution.
Whether you need simple life cover to protect your mortgage or a comprehensive protection package covering income, critical illness and your home, we can help. And just like our mortgage service, our advice is completely fee-free.
"We will never charge you a penny for our protection services"
Why choose us
Protection advice you can trust
We compare protection products from a comprehensive panel of insurers, not just one or two, to find the most suitable and competitive policy for your needs.
Insurance can be complex. Our advisers explain everything clearly — what is covered, what is excluded, and what each type of policy actually does for you and your family.
Our protection advice is provided at no cost to you. We receive a commission from the insurer when a policy is taken out, so you pay nothing for our time or expertise.
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Mortgage protection Life Insurance
Life insurance ensures that if you were to die during the policy term, the outstanding balance of your mortgage would be repaid in full — meaning your family would not have to leave their home. Policies can be arranged on a decreasing basis (to match a repayment mortgage) or level basis (to match an interest-only mortgage or provide a fixed lump sum).
The cost of life cover is generally lower than most people expect, particularly for younger applicants in good health. Our advisers will compare the whole of the market to find the most competitive policy for your age, health and cover requirements.
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Income security Income Protection Insurance
Income protection insurance pays a regular monthly benefit — typically up to 70% of your gross income — if you are unable to work due to illness or injury. Unlike payment protection insurance (PPI), which is usually tied to a specific debt, income protection covers your whole income and continues to pay until you are able to return to work or until the policy end date.
It is particularly important for self-employed individuals and those without generous sick pay entitlements from their employer. Our advisers can help you choose the right deferred period and benefit level to make the policy both effective and affordable.
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Serious illness Critical Illness Cover
Critical illness cover pays a tax-free lump sum if you are diagnosed with one of a specified list of serious conditions — which typically includes cancer, heart attack and stroke. The money can be used however you choose: to repay your mortgage, cover medical costs, adapt your home, or simply provide financial breathing room while you recover
.Critical illness cover is often combined with life insurance into a single policy. Our advisers will explain the differences between policies, what conditions are covered, and help you determine the right level of cover for your circumstances.
Buildings insurance is a requirement of virtually every residential mortgage — it protects the structure of your home against damage from events such as fire, flood, storm and subsidence.
Contents insurance protects your personal belongings inside the home.We can source competitive buildings and contents insurance quotes as part of your mortgage process, ensuring you have the right cover in place from day one — without overpaying for it.
What is Mortgage Protection Insurance?
Mortgage protection insurance is an umbrella term for a range of policies designed to protect you, your home, and your family if you die, become seriously ill, or are unable to work. The main types are life insurance, income protection, and critical illness cover. Buildings and contents insurance also forms part of the wider protection picture.
Many standard mortgages do not include any protection insurance, so it is important to consider what separate cover you need. There are hundreds of different products from UK insurers, all with different exclusions and benefits. Our advisers search the whole of the market to find the right policy for your circumstances.
Why it matters: Buildings insurance is the only cover mortgage lenders formally require. However, considering what would happen to your mortgage repayments if you lost your income, became seriously ill, or died is a question every homeowner should ask. Our advisers will explain all your options at no cost and with no obligation.
Step by Step
How Our Protection Process Works
Getting the right protection in place is simpler than you might think. Our advisers guide you through the whole process from initial review to cover being confirmed, at no cost to you.
1
Initial Protection Review
Your adviser discusses your mortgage commitments, income, health, and lifestyle. They review the types of protection you may need and explain all your options clearly and without jargon.
2
Needs Assessment
Your adviser identifies the most appropriate types of cover for your circumstances, including the right benefit amounts, policy terms, and deferral periods where applicable.
3
Policy Comparison
Your adviser searches our whole-of-market panel of insurers to find the most suitable and competitively priced policies for your specific needs. You are presented with clear, comparable options.
4
Policy Application
Your adviser helps you complete the application, including any health questionnaire. This is submitted to the insurer, who reviews the information and confirms the premium.
5
Underwriting and Acceptance
The insurer reviews your application and may request further medical information. Once accepted, you will receive your policy documents and a schedule confirming your cover.
6
Cover in Place
Your policy begins on the agreed start date. Your adviser confirms cover is in place and you are fully protected. We remain available to help if you ever need to make a claim or review your cover.
How Much Does Protection Insurance Cost?
The cost of protection insurance varies depending on the type of cover, the benefit amount, the policy term, your age, health, and lifestyle. Life insurance can be very affordable, particularly for younger applicants in good health. Income protection and critical illness cover tend to cost more due to the greater complexity of the cover. Smoking, pre-existing health conditions, and higher-risk occupations can all affect premiums. Our advisers will compare quotes from across the market to find you the most competitive policy for your situation.
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Ready to Take the First Step?
Speak to one of our fee-free protection advisers today. We will review your needs, compare policies from across the market, and help you put the right cover in place with no fees and no obligation.
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