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Everything you need to know
Mortgage protection
information.
Same-day cover is available — we can arrange it over the phone and issue your policy the same day. Our consultants are happy to answer any questions about your protection policy.
Mortgage protection insurance — sometimes just called mortgage protection — is a type of life insurance policy that runs for the length of your mortgage and pays off the remaining balance if you were to die during the term.
It's an insurance policy specifically designed for loans, as the cover decreases in line with your outstanding loan balance — which is why it's sometimes called a "reducing term" policy.
Important
If your mortgage repayments are not maintained up to date, the mortgage will not reduce as quickly as anticipated and the related mortgage protection policy may not be sufficient to clear the mortgage.
Protection products
explained.
From basic life cover to full income protection — independent guides to every protection product available in Ireland.
Live Rates
See how much you could save
Sample comparison for €250,000 cover, non-smokers aged 31 & 34, 30-year term. We negotiate exclusive discounts not available direct.
| Provider | Mortgage Protection | Term Insurance |
|---|---|---|
| Aviva | €23.15 | €37.22 |
| New Ireland | €26.67 | €39.40 |
| Zurich | €24.68 | €38.02 |
| Royal London | €27.37 | €40.31 |
| Irish Life | €29.23 | €44.39 |
| Mortgages.ie Discount | €19.45 | €31.37 |
Rates as of June 2021. Premiums are indicative only and may vary based on individual health and underwriting assessment.
Why Choose Us
We do the hard work
so you don't have to.
- We compare quotes from all major Irish insurers instantly.
- No broker fees — our service is completely free to you.
- We handle all paperwork and liaise with your lender directly.
- Ongoing support for the life of your policy.
- Advice tailored to your specific mortgage and health profile.
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Got Questions?
We've got answers.
Everything you need to know about mortgage protection and life insurance in Ireland — from costs and eligibility to switching and disclosure obligations.
Is mortgage protection insurance compulsory in Ireland?
Yes — mortgage protection is required by law for anyone under 50 taking out a residential mortgage in Ireland. Your lender must be assigned the policy before drawdown. Some exemptions exist on medical grounds or for interest-only mortgages.
How much does mortgage protection cost?
What is the difference between mortgage protection and term insurance?
Can I get cover if I have a pre-existing medical condition?
How quickly can I get mortgage protection in place?
What discount can I get through Mortgages.ie?
Still have questions? Our advisors are ready to help.
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