Mortgage Protection for Self-Employed Protect your home when you work for yourself

Self-employed? Mortgage protection is even more important without employer benefits. Get covered today.

Quick & Easy

No Obligation

Expert Brokers

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Quick & Easy

No Obligation

Expert Brokers

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I'd like quotes for:*

Just me

Me and my partner

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Why Self-Employed Need Cover

Without employer benefits, you need to protect yourself.

No Sick Pay

When you're self-employed, there's no employer to pay you if you can't work. Protect your income.

Business Debts

If your business is linked to your home, protection is even more important.

Family Security

Ensure your family can stay in their home even if something happens to you.

Top 5

UK Insurers

2 min

Quick Form

£0

Quote Cost

Obligation

Get a free quote and see how you could protect yours

Get Your Free Quote

How It Works

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

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.

Receive a Callback

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

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.

Frequently Asked Questions

Unlike employees, self-employed workers have no employer death-in-service benefit. If you die, there is no employer payout to help your family with the mortgage. Personal cover is the only safety net.

Personal life insurance premiums are generally not tax-deductible. However, the payout itself is tax-free. Directors may be able to use Relevant Life Insurance, where premiums are a business expense — speak to your accountant.

Decreasing term is the most affordable option for a repayment mortgage. If you also want protection against illness, consider adding critical illness cover. A broker will call to discuss your options.

At minimum, enough to clear your outstanding mortgage. Consider adding extra to cover business costs, personal debts, and family living expenses while your partner adjusts.

No. Being self-employed does not affect your ability to get life insurance. Insurers assess your age, health, and lifestyle — not your employment status. A broker will call with quotes.