Insurance

Mortgage payment protection insurance

Whole-of-market protection advice. We compare leading UK insurers to find the right cover at the right price.

    
   94 reviews  
 
  
         
   Everest Mortgage Services
   5.094 Google reviews 
 
 
 
        Posted on Google  
   
   Ella Hislop 
 
 
 
 Trustindex verifies that the original source of the review is Google.  John was great throughout the entire process - super informative, responsive, friendly and efficient! Would 100% recommend. We were first time buyers and he put us completely at ease and went the extra mile every time we had a question / needed some help.
  
 
 
      Posted on Google  
   
   Melissa Elston 
 
 
 
 Trustindex verifies that the original source of the review is Google.  John provided a five star service from start to finish. The whole process was very slick and extremely professional. Obtaining our mortgage was not a straight forward request due to being a new build property but John advised on what information we would require and spoke with all the right people to get our mortgage over the line. Will be using him again in the future.
  
 
 
      Posted on Google  
   
   Matt Pourzand 
 
 
 
 Trustindex verifies that the original source of the review is Google.  John was efficient, friendly, and a great communicator. He was very knowledgeable and handled our case with efficiency. John made the whole process much smoother than expected, and I would 100% recommend his service!
  
 
 
      Posted on Google  
   
   Simon Hedger Grace 
 
 
 
 Trustindex verifies that the original source of the review is Google.  John starts where others don’t: he properly listens. Then he’s like a dog with bone until the job is done. Highly recommended
  
 
 
      Posted on Google  
   
   Chloe Stringer 
 
 
 
 Trustindex verifies that the original source of the review is Google.  ⭐️⭐️⭐️⭐️⭐️
John was fantastic throughout the whole mortgage process. Professional, knowledgeable, and always happy to help. He made everything feel simple and stress-free. Would highly recommend John to anyone looking for a great mortgage broker!
  
 
 
      Posted on Google  
   
   Jordan Nicholls 
 
 
 
 Trustindex verifies that the original source of the review is Google.  Absolutely brilliant service from John from start to finish. As first-time buyers, the mortgage process could have been really stressful and confusing, but John made everything so straightforward and easy to understand.

He was always available to answer any questions we had, explained everything clearly, and kept us updated throughout the whole process. John worked hard to find us the right mortgage and has been incredibly helpful, professional and supportive every step of the way.

We genuinely couldn't have asked for a better mortgage advisor and would 100% recommend John to anyone looking for a mortgage. Thank you for all your help!
  
 
 
      Posted on Google  
   
   Kath Tonkyn 
 
 
 
 Trustindex verifies that the original source of the review is Google.  We have known John since we bought our first rental in 2009 and he has guided and helped us all the way. He laid out a plan for us that this month will be fulfilled exactly as he said it would. He has never let us down and he is always there when we have needed him. Nothing is too much trouble. Great guy and a  true proffessional. Thanks John for everything. You are truly the best.
  
 
 
      Posted on Google  
   
   Louise Holmes 
 
 
 
 Trustindex verifies that the original source of the review is Google.  We have used Johns services a few times now, when remortgaging. John is extremely knowledgeable and always strives to find the best deal that works for you. His communication is excellent, he’s very friendly and explains thoroughly the best way for you to go forwards and we would highly recommend his services.
  
 
 
      Posted on Google  
   
   Christina 
 
 
 
 Trustindex verifies that the original source of the review is Google.  I honestly don’t know how I would have got through buying my first house without John.

From the very beginning, he helped us work out what we could afford and get our Agreement in Principle sorted, but his help went way beyond just arranging the mortgage. While we were viewing houses, he was always happy to give his thoughts on whether an asking price seemed sensible and what we might want to offer. His experience and knowledge were incredibly valuable when we were trying to navigate something we knew very little about.

Once we found our house, John made the whole process so much easier. He was incredibly quick to respond, explained everything clearly and was always happy to answer my many questions!

What really impressed me was how much he handled himself. He dealt directly with the estate agent, solicitors and lender, meaning we weren’t constantly stuck in the middle passing messages around. If an issue came up, he’d often just sort it in the background and let us know there was an issue but it's resolved, rather than adding to our stress.

John genuinely cares about his clients and it really shows. He’s friendly, incredibly knowledgeable and always made us feel like we were in safe hands.

I couldn’t recommend him highly enough. Five stars doesn’t really do justice to how much he helped us!
  
 
 
      Posted on Google  
   
   Kyle McClorey 
 
 
 
 Trustindex verifies that the original source of the review is Google.  As a first-time buyer, I couldn’t have asked for a better mortgage broker than John. From our very first conversation, he was incredibly friendly and immediately put me at ease, making what initially felt like a daunting process feel straightforward and manageable.

John’s communication was outstanding throughout. No question was ever too big or too small, and he always took the time to explain everything clearly and thoroughly. Thanks to his support, I was able to navigate the entire mortgage process with complete confidence. I never once felt stressed or under pressure, which made such a difference as a first-time buyer.

His knowledge and expertise are second to none, and he was able to secure me a fantastic mortgage deal. I genuinely felt that he had my best interests at heart every step of the way.

I can’t recommend John highly enough. If you’re looking for someone who is knowledgeable, approachable, and truly dedicated to helping their clients, he’s the person to go to. Thank you, John, for making such an important milestone such a positive experience!

John Everest

Mortgage & Protection Adviser, Founder

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1000+
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for happy clients

Mortgage payment protection

There’s a lot to love about being a homeowner. But, it does come down a downside or two, largely a big mortgage to keep on top of. Your mortgage is one of your biggest financial commitments, and it’s a hard commitment to keep up with if illness, injury or redundancy suddenly stops your income. You can’t simply stop paying, and you don’t want to risk losing your home, which is why mortgage payment protection insurance is so important. Designed to step in during tough times, mortgage payment protection helps you to protect your home and avoid falling behind.

At Everest Mortgages, we know how difficult life can become when you run into financial difficulties. That’s why we go above and beyond to ensure you find mortgage payment protection that provides peace of mind, whatever you’re facing.

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What is mortgage payment protection insurance?

Mortgage payment protection is a type of insurance that covers your monthly mortgage repayments if you’re unable to work due to illness, injury or forced redundancy. It’s a way of ensuring your home remains secure, even when life throws unexpected challenges your way.

How does mortgage payment protection work?

If you’re signed off work or made redundant, mortgage payment protection can cover your mortgage payments in full, up to a set limit. This is typically a percentage of your salary. The majority of policies will continue paying for up to 12 months or until you return to work, whichever comes first.

Before payments begin, you’ll usually need to be off work for a set number of days, known as the deferred period. This could be anywhere from 30 to 180 days, depending on the policy you choose. Choosing a longer deferred period may reduce your premium, which is useful if your employer offers sick pay for the first few weeks.

We compare policies from leading UK insurers, including…

Who needs mortgage payment protection?

If any of these apply to you, you are likely to benefit from mortgage payment protection:

Missing even one or two payments would put pressure on your finances.
You have little or no savings to fall back on.
You’re self-employed, and don’t receive sick pay or redundancy packages.
Your income is essential to keeping your mortgage up to date.
You want peace of mind knowing your home is covered during difficult times

If you’d struggle to meet your mortgage repayments without your income, mortgage payment protection acts as a safety net.

Read our reviews

    
   94 reviews  
 
  
         
   Everest Mortgage Services
   5.094 Google reviews 
 
 
 
        Posted on Google  
   
   Ella Hislop 
 
 
 
 Trustindex verifies that the original source of the review is Google.  John was great throughout the entire process - super informative, responsive, friendly and efficient! Would 100% recommend. We were first time buyers and he put us completely at ease and went the extra mile every time we had a question / needed some help.
  
 
 
      Posted on Google  
   
   Melissa Elston 
 
 
 
 Trustindex verifies that the original source of the review is Google.  John provided a five star service from start to finish. The whole process was very slick and extremely professional. Obtaining our mortgage was not a straight forward request due to being a new build property but John advised on what information we would require and spoke with all the right people to get our mortgage over the line. Will be using him again in the future.
  
 
 
      Posted on Google  
   
   Matt Pourzand 
 
 
 
 Trustindex verifies that the original source of the review is Google.  John was efficient, friendly, and a great communicator. He was very knowledgeable and handled our case with efficiency. John made the whole process much smoother than expected, and I would 100% recommend his service!
  
 
 
      Posted on Google  
   
   Simon Hedger Grace 
 
 
 
 Trustindex verifies that the original source of the review is Google.  John starts where others don’t: he properly listens. Then he’s like a dog with bone until the job is done. Highly recommended
  
 
 
      Posted on Google  
   
   Chloe Stringer 
 
 
 
 Trustindex verifies that the original source of the review is Google.  ⭐️⭐️⭐️⭐️⭐️
John was fantastic throughout the whole mortgage process. Professional, knowledgeable, and always happy to help. He made everything feel simple and stress-free. Would highly recommend John to anyone looking for a great mortgage broker!
  
 
 
      Posted on Google  
   
   Jordan Nicholls 
 
 
 
 Trustindex verifies that the original source of the review is Google.  Absolutely brilliant service from John from start to finish. As first-time buyers, the mortgage process could have been really stressful and confusing, but John made everything so straightforward and easy to understand.

He was always available to answer any questions we had, explained everything clearly, and kept us updated throughout the whole process. John worked hard to find us the right mortgage and has been incredibly helpful, professional and supportive every step of the way.

We genuinely couldn't have asked for a better mortgage advisor and would 100% recommend John to anyone looking for a mortgage. Thank you for all your help!
  
 
 
      Posted on Google  
   
   Kath Tonkyn 
 
 
 
 Trustindex verifies that the original source of the review is Google.  We have known John since we bought our first rental in 2009 and he has guided and helped us all the way. He laid out a plan for us that this month will be fulfilled exactly as he said it would. He has never let us down and he is always there when we have needed him. Nothing is too much trouble. Great guy and a  true proffessional. Thanks John for everything. You are truly the best.
  
 
 
      Posted on Google  
   
   Louise Holmes 
 
 
 
 Trustindex verifies that the original source of the review is Google.  We have used Johns services a few times now, when remortgaging. John is extremely knowledgeable and always strives to find the best deal that works for you. His communication is excellent, he’s very friendly and explains thoroughly the best way for you to go forwards and we would highly recommend his services.
  
 
 
      Posted on Google  
   
   Christina 
 
 
 
 Trustindex verifies that the original source of the review is Google.  I honestly don’t know how I would have got through buying my first house without John.

From the very beginning, he helped us work out what we could afford and get our Agreement in Principle sorted, but his help went way beyond just arranging the mortgage. While we were viewing houses, he was always happy to give his thoughts on whether an asking price seemed sensible and what we might want to offer. His experience and knowledge were incredibly valuable when we were trying to navigate something we knew very little about.

Once we found our house, John made the whole process so much easier. He was incredibly quick to respond, explained everything clearly and was always happy to answer my many questions!

What really impressed me was how much he handled himself. He dealt directly with the estate agent, solicitors and lender, meaning we weren’t constantly stuck in the middle passing messages around. If an issue came up, he’d often just sort it in the background and let us know there was an issue but it's resolved, rather than adding to our stress.

John genuinely cares about his clients and it really shows. He’s friendly, incredibly knowledgeable and always made us feel like we were in safe hands.

I couldn’t recommend him highly enough. Five stars doesn’t really do justice to how much he helped us!
  
 
 
      Posted on Google  
   
   Kyle McClorey 
 
 
 
 Trustindex verifies that the original source of the review is Google.  As a first-time buyer, I couldn’t have asked for a better mortgage broker than John. From our very first conversation, he was incredibly friendly and immediately put me at ease, making what initially felt like a daunting process feel straightforward and manageable.

John’s communication was outstanding throughout. No question was ever too big or too small, and he always took the time to explain everything clearly and thoroughly. Thanks to his support, I was able to navigate the entire mortgage process with complete confidence. I never once felt stressed or under pressure, which made such a difference as a first-time buyer.

His knowledge and expertise are second to none, and he was able to secure me a fantastic mortgage deal. I genuinely felt that he had my best interests at heart every step of the way.

I can’t recommend John highly enough. If you’re looking for someone who is knowledgeable, approachable, and truly dedicated to helping their clients, he’s the person to go to. Thank you, John, for making such an important milestone such a positive experience!

What does mortgage payment protection cover?

There are a lot of mortgage payment protection policies available, and they tend to fall into 3 categories. Some pay your mortgage if you’re unable to work due to illness or injury, and others pay your mortgage if you’re made involuntarily redundant. The third group, which is where you’ll find the most comprehensive options, combine all three areas of protection.

At Everest Mortgages, we’ll help you to choose the level that best fits your circumstances, and then narrow down your options. We can help you compare policies and find one that offers the right balance of affordability and protection.

John Everest

Mortgage & Protection Adviser, Founder

Book a free consultation with an expert

John is a CeMAP-qualified, whole-of-market mortgage adviser and Director of Everest Mortgage Services. With over 21 years in financial services, and a track record of 1,000+ mortgages arranged.

14+

Years experience

1,000+

Mortgages arranged

Trusted protection advice

Why choose Everest Mortgages?

Independent protection advice that puts your family first, with cover built around your home, your health and your budget.

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Cover that fits your life

Level or decreasing, single or joint. We match your cover to your mortgage, your family and what you actually need to protect.

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We compare leading UK insurers

We aren't tied to any one provider, so we can compare policies across the market and recommend the right cover at the right price.

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Help with medical conditions

A health condition doesn't have to mean higher premiums or a refusal. We know which insurers take a fairer view of your circumstances.

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Policies written in trust

We help you put your policy in trust, so any payout can reach your loved ones quickly and may sit outside your estate for inheritance tax.

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We handle the paperwork

From the application to underwriting questions, we deal with the insurer for you. We work around your schedule, evenings and weekends included.

Free consultation

    
   94 reviews  
 
  
         
   Everest Mortgage Services
   5.094 Google reviews 
 
 
 
        Posted on Google  
   
   Ella Hislop 
 
 
 
 Trustindex verifies that the original source of the review is Google.  John was great throughout the entire process - super informative, responsive, friendly and efficient! Would 100% recommend. We were first time buyers and he put us completely at ease and went the extra mile every time we had a question / needed some help.
  
 
 
      Posted on Google  
   
   Melissa Elston 
 
 
 
 Trustindex verifies that the original source of the review is Google.  John provided a five star service from start to finish. The whole process was very slick and extremely professional. Obtaining our mortgage was not a straight forward request due to being a new build property but John advised on what information we would require and spoke with all the right people to get our mortgage over the line. Will be using him again in the future.
  
 
 
      Posted on Google  
   
   Matt Pourzand 
 
 
 
 Trustindex verifies that the original source of the review is Google.  John was efficient, friendly, and a great communicator. He was very knowledgeable and handled our case with efficiency. John made the whole process much smoother than expected, and I would 100% recommend his service!
  
 
 
      Posted on Google  
   
   Simon Hedger Grace 
 
 
 
 Trustindex verifies that the original source of the review is Google.  John starts where others don’t: he properly listens. Then he’s like a dog with bone until the job is done. Highly recommended
  
 
 
      Posted on Google  
   
   Chloe Stringer 
 
 
 
 Trustindex verifies that the original source of the review is Google.  ⭐️⭐️⭐️⭐️⭐️
John was fantastic throughout the whole mortgage process. Professional, knowledgeable, and always happy to help. He made everything feel simple and stress-free. Would highly recommend John to anyone looking for a great mortgage broker!
  
 
 
      Posted on Google  
   
   Jordan Nicholls 
 
 
 
 Trustindex verifies that the original source of the review is Google.  Absolutely brilliant service from John from start to finish. As first-time buyers, the mortgage process could have been really stressful and confusing, but John made everything so straightforward and easy to understand.

He was always available to answer any questions we had, explained everything clearly, and kept us updated throughout the whole process. John worked hard to find us the right mortgage and has been incredibly helpful, professional and supportive every step of the way.

We genuinely couldn't have asked for a better mortgage advisor and would 100% recommend John to anyone looking for a mortgage. Thank you for all your help!
  
 
 
      Posted on Google  
   
   Kath Tonkyn 
 
 
 
 Trustindex verifies that the original source of the review is Google.  We have known John since we bought our first rental in 2009 and he has guided and helped us all the way. He laid out a plan for us that this month will be fulfilled exactly as he said it would. He has never let us down and he is always there when we have needed him. Nothing is too much trouble. Great guy and a  true proffessional. Thanks John for everything. You are truly the best.
  
 
 
      Posted on Google  
   
   Louise Holmes 
 
 
 
 Trustindex verifies that the original source of the review is Google.  We have used Johns services a few times now, when remortgaging. John is extremely knowledgeable and always strives to find the best deal that works for you. His communication is excellent, he’s very friendly and explains thoroughly the best way for you to go forwards and we would highly recommend his services.
  
 
 
      Posted on Google  
   
   Christina 
 
 
 
 Trustindex verifies that the original source of the review is Google.  I honestly don’t know how I would have got through buying my first house without John.

From the very beginning, he helped us work out what we could afford and get our Agreement in Principle sorted, but his help went way beyond just arranging the mortgage. While we were viewing houses, he was always happy to give his thoughts on whether an asking price seemed sensible and what we might want to offer. His experience and knowledge were incredibly valuable when we were trying to navigate something we knew very little about.

Once we found our house, John made the whole process so much easier. He was incredibly quick to respond, explained everything clearly and was always happy to answer my many questions!

What really impressed me was how much he handled himself. He dealt directly with the estate agent, solicitors and lender, meaning we weren’t constantly stuck in the middle passing messages around. If an issue came up, he’d often just sort it in the background and let us know there was an issue but it's resolved, rather than adding to our stress.

John genuinely cares about his clients and it really shows. He’s friendly, incredibly knowledgeable and always made us feel like we were in safe hands.

I couldn’t recommend him highly enough. Five stars doesn’t really do justice to how much he helped us!
  
 
 
      Posted on Google  
   
   Kyle McClorey 
 
 
 
 Trustindex verifies that the original source of the review is Google.  As a first-time buyer, I couldn’t have asked for a better mortgage broker than John. From our very first conversation, he was incredibly friendly and immediately put me at ease, making what initially felt like a daunting process feel straightforward and manageable.

John’s communication was outstanding throughout. No question was ever too big or too small, and he always took the time to explain everything clearly and thoroughly. Thanks to his support, I was able to navigate the entire mortgage process with complete confidence. I never once felt stressed or under pressure, which made such a difference as a first-time buyer.

His knowledge and expertise are second to none, and he was able to secure me a fantastic mortgage deal. I genuinely felt that he had my best interests at heart every step of the way.

I can’t recommend John highly enough. If you’re looking for someone who is knowledgeable, approachable, and truly dedicated to helping their clients, he’s the person to go to. Thank you, John, for making such an important milestone such a positive experience!

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