Affordable Mortgage Insurance at SoSmart Money

Protect your monthly mortgage repayments with a life insurance policy.

Get a Quote Today

How can we help you?

SoSmart Money are specialists when it comes to mortgage and insurance advice. Our trained expert advisers have access to the UK’s leading lenders and using their knowledge and skills will place you with the most suitable lender and product for your needs.

Speak to one of our experts for mortgage advice, life insurance cover, to protect your income, insurance your home or contents and private medical cover.

trust pilot

"Matthew at So Smart found me the best deal for my first Mortgage, he was extremely helpful! I would highly recommend this company!"

"I've been looking to switch mortgages recently to secure a better rate and the guys at So Smart Money helped me do just that."

"My mortgage enquiry was dealt with swiftly and professionally. I would highly recommend So Smart Money to others."

"I've used sosmartmoney a couple of times now, I checked my old mortgage with them and it encouraged me to get a better deal."


Winner of AI Finance awards 2015 for:
Best personal finance comparison site &
Best online price comparison platform

Our trusted brands

view more
clydesdale_bank.jpg npower.gif CAN.gif BSA.gif saga.jpg capitalone.gif POS.gif
sainsburys.gif m&s.gif POS.gif BCH.gif BNW.gif TSB.gif TIP.gif zopa.jpg ACC.gif WBB.gif eon.gif BNR.gif BBS.gif CAN.gif BAA.gif uk-general.jpg BLF.gif securetrust.gif fidelity.gif NBS.gif CLY.gif FID.gif healthonline.jpg ovo_energy.jpg barclaycard.gif HEC.gif CTE.gif clydesdale_bank.jpg BNC.gif lv.gif aegon.gif vanquis.jpg TCO.gif ULS.gif bath_building_society.jpg capitalone.gif BBV.gif BDA.gif SBS.gif LEE.gif CNW.gif sky.jpg BHI.gif rsa.jpg BME.gif YBS.gif fluid.jpg ageas.jpg progressive_building_society.jpg BSA.gif carloans4u.jpg BWO.gif BMO.gif BNT.gif BLH.gif o2.jpg axa.jpg BOI.gif chorley_building_society.jpg RBS.gif BPR.gif ipswich_building_society.jpg bt.jpg scottish_power.jpg americanexpress.jpg scottish_building_society.jpg NAP.gif VBS.gif aqua.jpg the_mansfield_building_society.jpg FAM.gif TBS.gif CTS.gif sse.jpg MET.gif virgin.gif fundingcircle.gif CAM.gif tesco.jpg npower.gif plusnet.jpg HSB.gif market_harborough_building_society.jpg BHX.gif amigo.gif BFU.gif saga.jpg

Need life cover for your mortgage?

  • Look after your family
  • Protect your home
  • Get Life Insurance advice

Insuring your mortgage

If you're the main breadwinner in the household and you have a mortgage to pay, then you'll want to know that if anything should happen to you, your family will be provided for and won't be at risk of losing their home, 

No one really wants to think about this bleak outlook, but having adequate protection in place could give you the peace of mind you need that your family will be protected in the future if the worst should happen.

As your mortgage is likely to be your biggest outgoing, you can take out specific insurance that will cover this in the event of your unexpected death.

What is Mortgage Life Insurance?

Mortgage Insurance is simply a form of Life Insurance that will allow your family to pay off your mortgage in the event of your death.  You can choose to insure yourself for the sum of your outstanding mortgage balance at the time of your death. This is usually referred to as decreasing term life insurance - this will pay out an amount appropriate to your current mortgage debt only. This is often a more affordable form of cover, but the downside is that there will be no spare cash left over once your mortgage debt has been paid off.

If you would prefer to leave a bit extra money spare for your family then one option would be to take out level term life insurance.

Level Term Insurance will pay out a set amount if you die within the term of the mortgage.  If you've taken out £200,000 worth of cover and you die when you only have an outstanding balance of £20.000, your family will still get the full payout of £200,000 - enough to cover your final mortgage payments with enough left over to settle any other debts or help to maintain their current costs of living.

Get a Quote Today

How it works

step 1 step 2 step 3
  • How do SoSmart Money make their money?
  • Which products can I compare with SoSmart Money?
  • Who are SoSmart Money?
  • Will I be contacted by other companies?

latest news View All News

Sign up to our newsletter