Mortgage Protection Needs Simulator UK
How much life cover does my mortgage need?
Estimate the right level of cover to protect your home — mortgage protection calculator
If a repayment mortgage is still outstanding when someone dies, the remaining balance may need to be repaid. This simulator estimates the projected mortgage balance over time and compares it with any cover already in place, so you can see whether there may be a shortfall.
Cover needed now
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Existing cover
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Protection gap today
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Coverage
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Monthly repayment used
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How your protection need changes over the term
This simulator is for illustration only and is not financial or insurance advice. It assumes a constant interest rate and repayment pattern and does not reflect insurer underwriting, exclusions, joint-life policy structure, critical illness cover, or family income needs.
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