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When you are excited about building a future and buying your own property it can be hard to consider potential threats to your dreams.


Unfortunately many families do suffer the trauma associated with the death or serious illness of a loved one. While the family tries to cope with the emotional pain in such times, it is important to realise that there is also a financial burden that can be created adding further strain on the family.


The whole or partial loss of income from a family member may leave you unable to pay for the mortgage and related bills to run your home and provide for your family.


While most of us try to avoid acknowledging the possibility of the unthinkable happening to our loved ones, it’s important that you have adequate cover in place to remove the financial burden and allow your family to concentrate on recovering emotionally.


Vista Mortgages can help guide you through the number of options available to protect against the unexpected. We offer free comprehensive advice to help you find the most suitable and competitive solutions for long term peace of mind.

Mortgage Protecion Advice child holding hands
Mortgage Protection Advice family picture


Mortgage Protection Life Insurance (Decreasing Term Assurance)
The outstanding mortgage amount is paid out on death with no surplus. The amount of cover reduces each month during the policy. It is calculated to be enough to equal the amount of mortgage outstanding under a normal repayment mortgage. A policy taken out in joint names will pay out the total amount on first death.


Mortgage protection life insurance with critical illness cover added (Decreasing Term Assurance)
This is the same as Mortgage Protection Life insurance, however the sum assured will also pay out if you suffer one of a list of critical illnesses.


Level term life insurance (Level term assurance)
This cover provides a fixed lump sum payment if you die. The sum does not change throughout the term of the policy. 


Level term life insurance with critical illness cover added (Level term assurance)
This is the same as Level Term Life Assurance, however the sum assured will also pay out if you suffer one of a list of critical illnesses.


Income protection plans
Income protection provides a long term monthly income if you are unable to work due to an accident, sickness, or unemployment. The benefit can be payable for the term of the mortgage.

There are other providers of Payment Protection Insurance (Short-Term Income Protection) and other products designed to protect you against loss of income.


Accident Sickness and Unemployment Policies

This cover again pays out if you suffer an accident, sickness or redundancy however this is for a limited period of time, typically one or two years or until you return to work.


Accident, Sickness & Unemployment insurance typically costs £4.10 a month for every £100 of monthly benefit. This is based on a 39-year-old customer choosing £1,000 of accident, sickness and unemployment monthly benefit with claims paid after a 30-day deferred period. The cost of this insurance depends on a number of factors, such as your age, where you live and your occupation. As a result, the cost you will pay is based on your own circumstances. There are other providers of Short-term Income Protection and other products designed to protect you against loss of income. For impartial information about insurance, please visit the website at 


Buildings and/or contents insurance

A wide range is available for home owners, landlords, and tenants for peace of mind against all risks to your property such as fire, burglary, flooding, etc.



There is NO FEE for our Mortgage Protection Reveiw. It is a completely ‘FEE-FREE’ service. Vista Mortgages earns commission directly from the insurers which will be clearly highlighted in any Key Facts Illustration (KFI) document presented on making an application.


When selecting which mortgage and protection company to use we recommend that you check what fees the company charge. Many of our competitors charge a variety of fees including broker fees, arrangement fees or application fees. These fees can often be as high as 1% of your mortgage amount which would be £1,000 on a £100,000 mortgage loan. We do not charge a fee for our advice.

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If you insure your car, pets, white goods, mobile phone etc  . . .
. . . might it be worth considering to insure your family???

As with all insurance policies, conditions and exclusions will apply

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