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Mortgage Life Insurance Calculator Get Your Free Quote

Mortgage Life Insurance Calculator Calculate how much cover your mortgage needs

Quick & Easy
No Obligation
Expert Brokers
Aviva
Legal And General
Zurich
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What To Include In Your Calculation

Make sure your mortgage is fully protected.

Outstanding Mortgage Balance

Your main calculation is your remaining mortgage balance. Decreasing term cover reduces in line with your repayment mortgage.

Level or Decreasing?

Decreasing term is cheapest and matches a repayment mortgage. Level term costs more but provides a fixed payout — useful for interest-only mortgages.

Additional Cover

Consider adding family income benefit or critical illness cover alongside your mortgage protection for comprehensive financial security.

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Calculator

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Obligation

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How It Works

Getting insurance quotes is simple. Here's how the process works.

1

Complete the Form

Answer a few simple questions about yourself and the level of cover you're looking for. It only takes a couple of minutes.

2

Receive a Callback

A specialist broker will call you back to discuss your requirements and answer any questions you may have.

3

Compare Your Options

The broker will present quotes from leading insurers so you can compare options and choose the cover that's right for you. There's no obligation to proceed.

Mortgage Calculator FAQs

Common questions about calculating mortgage cover.

At minimum, enough to cover your outstanding mortgage balance. Many people add extra to cover other debts or provide income for their family.
Decreasing term is cheapest and designed for repayment mortgages. Level term suits interest-only mortgages or if you want a fixed payout regardless of mortgage balance.
It is not legally required but strongly recommended. Without it, your family may have to sell the home if you die during the mortgage term.
Yes, 100% free. A broker will call to discuss your needs and provide quotes. No obligation to proceed.

Calculate Your Mortgage Cover

Find out how much mortgage life insurance you need. Free, no obligation.

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Life Insurance Calculator

Work out how much life insurance cover you might need.

£
£

e.g., children's education, weddings, home improvements

£

Average UK funeral costs are around £4,000-£6,000

£

Your estimated life cover need

This is an estimate based on the figures you entered

Ready to find out how much this cover could cost?

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This calculator provides an estimate only and does not constitute financial advice. Your actual cover needs may vary based on your individual circumstances.