Mortgage Protection Insurance Southampton

Local Mortgage Payment Protection Insurance Specialists Southampton

The term “protection” encompasses various forms of insurance coverage designed to provide security for you and your family in case of unforeseen events or emergencies.

When setting up your mortgage, we’ll also conduct a thorough assessment of your existing protective measures.

We’re here to offer tailored recommendations to ensure that you and your family can uphold your financial well-being in case of unforeseen circumstances. We have the capability to facilitate coverage that can provide either a lump sum payment or regular income support if you face serious illness or in the unfortunate event of your passing.

Our range of insurance offerings includes Life Insurance, Critical Illness Cover, Income Protection, Family Income Benefit and Accident and Sickness Insurance along with Buildings and Contents Insurance.

It is important to note that, like all insurance policies, specific terms and exclusions will be applicable.

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Types of Mortgage Protection Insurance We Offer

Your need for protection will evolve over time. Life changes such as embarking on a new career, moving to a larger home or expanding your family can significantly impact your circumstances.

Given these potential shifts, it’s essential to periodically review your protection needs and obtaining a new mortgage presents an ideal occasion to do so.

Here are some of the various types of protection insurance you should consider in preparation for unforeseen events:

Life insurance

Life Insurance

Life insurance can be a valuable resource for settling substantial debts, such as your mortgage and safeguarding your family’s financial well-being in the event of your passing.
Our team comprises qualified and impartial advisers who possess expertise in navigating the entire UK life insurance market.
We can answer any questions you may have and can offer expert guidance tailored to your specific requirements.

Get Insured



Think about how you'd handle finances if you couldn't work. Our expert advisers can provide personalized advice on various critical illness insurance options in the UK.

How will you continue meeting your mortgage obligations if you can no longer work?
This insurance can provide you with peace of mind, particularly if you rely on one primary source of income.

Get Covered

income protection insurance Southampton


Income protection insurance is a type of policy that ensures a consistent income stream if you find yourself unable to work due to illness or injury.

Our team consists of qualified and independent advisers who are well versed in the entire range of accident and sickness cover options available across the UK market.

This income can play a crucial role in helping you and your family uphold your accustomed lifestyle and manage essential expenses like mortgage payments, bills and groceries.

Get Protected

Building insurance Southampton


Buildings insurance encompasses protection not only for the structural integrity of your home but also for all the fixtures and fittings within it.

Our team consists of qualified and impartial advisers that can offer expert advice and guidance tailored to your specific needs.

Typically, having buildings insurance is a mandatory requirement when you secure a mortgage and it can be complemented with contents insurance to safeguard your personal belongings.

Instant Insurance

content insurance Southampton


Content insurance is designed to protect the monetary value of the belongings within your home.

It is distinct from buildings insurance, which is necessary for safeguarding the physical structure of your property. If you are renting your home, contents insurance may also be a stipulated requirement within your tenancy agreement.

Secure Valuables

Why choose Lock & Key Mortgages as your Mortgage Adviser in Southampton?

You can rely on our Expertise and Professionalism when it comes to Quality Mortgage and Protection Solutions:

Independent Mortgage AdvisersIndependent Mortgage Advisers

Access to the Entire Mortgage MarketAccess to the Entire Mortgage Market

Tailored & Personalised SolutionsTailored & Personalised Solutions

Knowledgeable & Experienced StaffKnowledgeable & Experienced Staff

Appointments by Phone, Online or In PersonPhone, Online, In Person Appointments

Friendly & ApproachableFriendly & Approachable

Most of our work comes from recommendation by existing customers, which is a testament to our level of service and client relationships.

Our clients benefit from skilled staff with a track record of integrity and professionalism and all our mortgage and insurance protection services are of high quality and cost effective.

With our experience, competitive fees and expertise, we are pleased to be able to support our clients with mortgage advice and planning in Southampton.

What People say about Lock & Key Mortgages

Important Information

You will receive a Key Features Document before acquiring a policy, which will provide comprehensive information about any policy conditions or restrictions.
If you miss premium payments, you won’t be able to recover any of the payments you’ve made. Regularly reviewing your insurance is essential to confirm that it continues to align with your requirements.
Your Home May Be Repossessed If You Do Not Keep Up Repayments On Your Mortgage.