Secure your home. Protect your family.
Your mortgage is likely your biggest financial commitment—and your home, your family’s most important asset. Mortgage protection insurance ensures your mortgage is paid if you die or become seriously ill before it’s repaid.
For doctors with busy careers, long hours, and families to support, it’s essential peace of mind.
At Doctors Mortgages, we specialise in insurance for medical professionals. We understand NHS and private income, know your career path and risks, and work with insurers who cater specifically to doctors. Our goal is to find you the most cost-effective cover, with policies that offer flexible features like premium freeze, policy conversion, and waiver of premium, ideal for doctors with changing circumstances.
Read some of our recent client experiences
We take care of your mortgage and protection journey from start to finish.
Doctors Mortgages are one of the UK’s leading specialist Mortgage and Insurance Brokers. Our mortgage protection advice for doctors ensures you have the right cover in place to safeguard your home and your peace of mind.
With nearly 20 years of experience arranging mortgage protection for doctors, we understand the importance of protecting your most valuable asset—your home. Because we work exclusively with medical professionals, we’ve developed an in-depth understanding of which policies and providers offer the most suitable benefits for doctors.
Our insurance advisers are well-versed in NHS contracts, doctors’ pay structures, General Practice earnings, and the career progression of junior doctors during and after the foundation programme.
Whether you’re a hospital doctor at any level, a salaried GP, or a GP partner, talk to us about mortgage protection. We can tailor a policy that aligns with your role, earnings, and long-term plans.
Find quick answers to common questions using our helpful FAQs.
Mortgage protection is a form of life insurance (and optionally critical illness cover) that pays a lump sum to clear your mortgage if:
Depending on your mortgage, we’ll recommend either
Level Term Insurance
For repayment mortgages—the payout stays the same throughout the policy term.
Decreasing Term Insurance
For repayment mortgages where the amount owed reduces over time—these are often more affordable.
Family Income Benefit (optional)
Instead of a lump sum, your family receives monthly payments if you pass away—helping cover living costs over time.
Mortgage protection is one of the most affordable types of life cover—especially when taken out while you’re young and healthy. Factors that affect the cost:
It might be time to review it if:
Request a policy review to ensure your protection is still fit for purpose.
Whether you’re a junior doctor just getting on the property ladder or a consultant with a large home loan, mortgage protection gives you long-term security. It ensures that:
We help doctors get the right mortgage protection policy to match their mortgage type, loan term, and personal circumstances.
At Doctors Mortgages, we specialise in insurance for medical professionals. That means:
Many policies offer premium freeze, policy conversion, and waiver of premium options—all useful for medical professionals with changing circumstances.
Adding critical illness cover means your mortgage will also be cleared if you’re diagnosed with a serious medical condition (like cancer, stroke, or heart attack). This is especially important for doctors, who know first-hand how life can change unexpectedly
Your home is more than a property, it’s where your life happens. Let us help you protect it properly.
