Take the worry out of protection with a mortgage protection review

Peace of Mind

Knowing your policy will pay out in the event of a claim

reduced cost

Most people assume you have to get protection from your lender, which is significantly more expensive.

It's free

Our service is free, why wait longer to review?

Mortgage Protection

Protect your home and save up to 44%

Join our thousands of customers and start your review today.

Types of Insurance

Other Financial Products we review - Saving you even more money.


Everybody who earns an income should consider Life Insurance. A loss of your income is a loss to the household.

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Serious Illness Protection

These policies are commonly overpriced and outdated. Providers now cover more illnesses, making recent policies much more comprehensive.

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Life Insurance

Everybody who earns an income should consider Life Insurance. A loss of your income is a loss to the household.

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If you haven’t reviewed your Pension recently, you could receive less than you’re expecting on a monthly basis at retirement. Increasing your allocation rate by reducing fees and charges.

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Whole of Life Insurance

These policies are often "Reviewable" which means the premiums raise to a level that's unsustainable to maintain.

read more

Income Protection

It is essential to review your Income Protection after a career change, a change in salary or to ensure you are availing of the best policy available on the market.

read more

About mortgage protection

A decreasing form of Life Insurance, tailored to pay off the outstanding balance of your mortgage in the event of your death during the term of your mortgage loan.

Mortgage Protection is a cheaper, decreasing form of Life Insurance, tailored to pay off the outstanding balance of your mortgage in the event of your death during the term of your mortgage. Mortgage Protection runs for the same length as your Mortgage.

Placing the right cover to protect your home is essential, and it is a requirement by your Mortgage lender to have protection in place for your home.

Your premiums will be fixed and frozen for the full term of the policy.

Our quick and simple Mortgage Protection review will only take 10 minutes.

mortgage protection cover types

Single Mortgage Protection cover

Only one person is covered under the policy. If this person dies within the term of the policy – The policy will pay out in the event of the policy holders death and clear the Mortgage.

Joint Mortgage Protection cover

Two people are covered under the one policy. But only pays out on one death. For example “Joint Life, First death” will pay out when the first person dies, and nothing when the second person dies. We generally recommend against this policy, as once the first person dies, the remainder cannot be converted into a life insurance policy.

Dual Mortgage Protection Cover

Both people are covered under this policy and is a popular choice as it comes at no extra cost compared to Joint Life Cover. It pays out on the first death and second death. Where; after the first death the mortgage is paid off and the policy is converted into a life cover policy using the remaining funds.

If you have cover from your lender -

We recommend you do not take out Mortgage Protection from your lender, as their premium will be much higher than other providers for an identical product. We will find you the cheapest quote available to you by comparing all providers in Ireland. Showing you a price comparison with all optional extras available to you.

How long will it take to switch?

It won’t take long at all. With SafeNET Financial, you can digitally sign your documents online (With optional guidance over the phone). Once you’ve signed.. We submit your documents with urgency to your chosen Insurance provider and you can be on cover within 15 minutes. You can then provide proof to your Mortgage lender if it’s a new policy, or just sit back and enjoy your savings.

Can Serious Illness Cover be added to my existing mortgage protection?

The short answer is yes.

During our review Serious Illness Protection can be accelerated to your Mortgage Protection, that in the event of a specified serious illness some or all of the outstanding amount of your mortgage (whichever amount is chosen) can be paid off to release the burden of mortgage repayments while you are recovering.

It is important to note that mortgage protection does not cover your actual mortgage repayments if you cannot work due to sickness or redundancy. In this instance, you would need ‘mortgage repayment benefit’ available from your lender which can be built into your mortgage repayments.

What if i have an interest only mortgage?

With an interest only mortgage, the amount owed to the lender never reduces as only the interest owed is repaid every month, with the capital paid at the end through an endowment policy or secured on another property (i.e. holiday or rental home).

If you have an ‘Interest only’ mortgage, a Level Term Life Cover policy should be considered rather than a mortgage protection policy, as this is a fixed benefit rather than a decreasing benefit. Ensuring there is always enough cover to clear the mortgage in full, in the event of the death of the policy holder.

What if i have a repayment mortgage?

This is a mortgage where the amount of loan decreases over the term of the policy through the payments of capital and interest on the mortgage loan.

Mortgage Protection is a low cost life cover benefit which decreases each year in line with the decreasing value of your mortgage, with the premiums remaining the same throughout the term of the policy. It is suited to those whose principal concern is to ensure the mortgage is paid off in the event of their death.

Although, Mortgage Protection is cheaper than Level Term Life Cover, individuals with other commitments, and those with a family normally opt for a more substantial form of life cover, where affordability allows it, to cover the financial needs of their family.

How much does mortgage protection cost now?

The cost of your new Mortgage Protection policy will have several deciding factors such as the amount of cover you choose, your age, how many years you want the policy to run for, your current state of health, and depending on if you want single life cover or joint/dual life cover. Smokers will also pay a higher premium for cover than non-smokers.

How do we choose your provider?

This depends on several factors, such as:

– Your age.
– If you’re a smoker.
– If you have children.
– If you’re single.
– If you’re employed.
– If your partner is employed.
– Your current state of health.
– How much you earn annually.

Request a Full financial review

    Request a Whole of Life Insurance review

      Request a Life Insurance review

        Request a Mortgage Protection review

          Request an Income Protection review

            Request a Serious Illness Protection review

              Request a Mortgage review

                Request a Pension, Savings & Investment review.

                  Jacinta O'Keeffe Positive: Professionalism

                  "I would tick all of the above boxes when rating Safenet Financial. It was a pleasure doing business with Jason and we would highly recommend this company."

                  Debbie Westfall

                  "Any questions I had were either answered on the spot or checked for me and researched which put my mind at ease."

                    What happens if...

                    That's no problem. We can give you a template "Letter of authority" Which you sign and send to the provider, this will give us access to any details required to review.

                    Your policy will be deducted monthly from your bank account. alternatively, if you have your policy number (This will be on your policy documents); You can call your provider and quote your policy number. The provider will disclose any information you require.

                    Your employment contract will contain all policies that come with your employment. Alternatively, you could ask your administration/hr department.