What Happens to Your Mortgage If You Can’t Work?

Why Income Protection and Financial Security Matter More Than Ever in the UK

In the UK, 1 in 3 people will be out of work for at least six months during their career because of illness or injury.(Source: LV=)

It’s not something most of us want to think about, especially when we’re focused on exciting milestones like buying a home, starting a family, or growing our careers. But the reality is, life doesn’t always follow the script.

An unexpected illness or accident can happen to anyone. And when your income suddenly stops, your financial commitments don’t. Your mortgage repayments, utility bills, and day-to-day expenses still need to be covered, whether or not you’re well enough to work.

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What happens to your mortgage if you can't work?

Take a moment to imagine it:

• How long would your savings last?

• Could you keep up with your mortgage or rent?

• Would you have to rely on family, take on debt, or cut back on essentials?

It’s not a comfortable thought, but it’s an important one. Because having a plan in place now could make all the difference later.

Protection Insurance: A Safety Net, Not a Burden

When we think about “insurance,” most of us picture our cars, phones, or pets. But what about the thing that pays for all of those, your income?

Protection insurance isn’t about expecting the worst. It’s about having the freedom to recover, rebuild, and focus on what matters most without financial stress hanging over your head and not having to worry about what happens to your mortgage if you cant work.

Here are three key types of protection cover every homeowner and working professional should know about:

1. Income Protection Insurance

If you’re unable to work because of illness or injury, income protection replaces a portion of your salary—helping you keep up with your mortgage payments and everyday living costs.

Unlike statutory sick pay, which only lasts for a limited time, income protection can provide ongoing financial support until you’re well enough to return to work. It’s peace of mind that your bills are covered while you focus on recovery.

2. Critical Illness Cover

Critical illness insurance pays out a tax-free lump sum if you’re diagnosed with a serious condition such as cancer, heart disease, or stroke.That lump sum can be used however you need it, whether that’s covering medical expenses, adapting your home, paying off your mortgage, or simply taking time to heal without worrying about money.

3. Life Insurance and Mortgage Protection

Life cover ensures that your loved ones are financially protected if the unthinkable happens. It can pay off your mortgage in full, cover ongoing expenses, and provide your family with long-term financial stability. It's a policy that means not having to worry about what happens to your mortgage if you can't work.

It’s not about fear, it’s about leaving behind security, not stress.

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Why Protection Planning Is About Freedom, Not Fear

Having a protection plan in place means that if life takes an unexpected turn, your home, income, and financial wellbeing are safeguarded. You won’t need to rush back to work before you’re ready or worry about losing the things you’ve worked hard for.

Protection gives you freedom, to recover, to rest, and to move forward with confidence.

And the best part? It doesn’t have to be expensive or complicated. With the right advice, you can find affordable insurance that fits your budget, lifestyle, and future goals.

Get Personalised Protection Advice

Everyone’s situation is unique. Whether you’re a first-time buyer, a self-employed professional, or supporting a family, there’s a protection plan that can work for you.

A financial adviser can help you:

• Compare income protection insurance policies

• Understand critical illness cover options

• Choose the right level of life insurance for your mortgage and loved ones

• Find cost-effective protection that offers genuine peace of mind

  
  

Ready to Protect What Matters Most?

If you’d like to explore your protection options or get personalised advice, now’s the perfect time to start.

Your income powers your life. Protect it -

because peace of mind is priceless.

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