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    What is it?

    A Mortgage Payment Protection plan is designed to ensure that you are able to continue to make your mortgage (and other related expenditure) payments in the event of accident, sickness or unemployment. It is often referred to as Accident, Sickness and Unemployment cover or ASU. These plans usually pay benefits for up to two years however, if you are seeking a plan that pays for a longer period, then Income Protection Insurance is generally more suitable.

    It’s worth noting that there is currently no legal requirement to have such cover and potential mis-selling of these products has generated much interest from the media and the industry regulator in recent years. However, this doesn’t mean that they are not right for some people and can provide valuable protection in the right circumstances.


    Who is it for?

    This type of plan is designed for those who are worried about being able to continue their mortgage payments in the event of losing income due to accident, sickness or unemployment.

    It is extremely important that you take independent financial advice before taking out this type of plan as they are not always the best nor cheapest option.

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    The Financial Conduct Authority does not regulate some forms of buy to let

    We normally charge a fee for mortgage advice, however this will be dependent on your circumstances. Our typical fee is £500.

    The Mortgage Doctors Limited is an appointed representative of Personal Touch Financial Services Limited, which is authorised and regulated by the Financial Conduct Authority (FCA: 409367). Registered in England and Wales No: 4693525. Registered Office: 21c Station Road, Cogenhoe, Northampton, NN7 1LT.

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