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Protecting your mortgage: About

Protecting your mortgage

Mortgage Payment Protection

Insurance (MPPI) is advised, but not a requirement of the lenders.

MPPI covers you for accident, illness or redundancy.  Generally, the cover is for up to 12 months in any one claim.

You can tailor your policy with some providers so that you have either the redundancy standalone or accident & illness standalone.

NB. Be careful if you’re self-employed as the unemployment options tend to be difficult to claim on unless your business is no longer trading and doesn’t hold any assets or cash. We can discuss this with you.

 

Income Protection

This is the belt and braces of accident and illness protection.  You can select to be covered up to your own chosen term and the benefits cover up to a percentage of your earnings at the time of claim.

 

Life cover

The cost of these policies has dropped significantly over the years.

Reducing cover for repayment mortgages

Level cover for interest only mortgages or people who would like the benefit to remain level.

 

Please do not hesitate to let us know if you’re interested in a quote from some of the best insurance providers in the market place such as Legal & General, Aviva, Prudential, Friends, AEGON and many more.

020 7112 4863

©2025 by Altius Capital Ltd.

Registered office address: Rotunda Buildings, Montpellier Exchange, Cheltenham, GL50 1SX

Registered company number: 08163089

Altius Capital Ltd is authorised and regulated by the Financial Conduct Authority, FRN: 588472. Altius Capital Ltd is an authorised credit broker and not a lender and are full members of the National Association of Commercial Finance Brokers (NACFB). 

We work with an unrestricted number of Lenders to find a potentially suitable arrangement for your consideration.

We will receive commission from lenders. Different lenders pay different amounts depending on different commission models. For transparency we work with the following commission models: fixed fee and/or a percentage of the amount you borrow and rate for risk (this is based on the risk profile of the business) . Further details of the commission model, calculation and amount will be disclosed to you throughout your customer journey

You can check our regulatory status with the FCA by clicking on this link https://register.fca.org.uk/s/

​Disclaimers

The material is for general information only and does not constitute investment, tax, legal or other form of advice. You should not rely on this information to make (or refrain from making) any decisions. 

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