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Mortgage Protection Insurance · Scotland

The bit most people skip.
The bit that matters
most.

Our advisers make protection a proper conversation, not a tick-box exercise. If you have a mortgage on a property in South Lanarkshire and no life cover, critical illness or income protection in place, your biggest financial asset is exposed.

Review my protection0141 266 0686
A sobering thought.
1 in 2 people in the UK will be diagnosed with cancer. 1 in 4 will be unable to work for more than 4 weeks before they retire. If either happened tomorrow — could your household afford the mortgage?
We compare:
Life insurance
Critical illness cover
Income protection
Mortgage payment protection
Family income benefit
Buildings and contents insurance
Review my protection needs
Types of Cover

Protection explained clearly.

MOST IMPORTANT
Life Insurance
Pays a lump sum on death
Ensures your mortgage is repaid and your family is financially secure. We compare whole of market to find the right level of cover at the most competitive premium.
Critical Illness Cover
Pays on diagnosis of a serious condition
Pays a tax-free lump sum on diagnosis of cancer, heart attack, stroke and other serious conditions — whether or not you die. The cover most people wish they had when they need it.
Income Protection
Replaces your income if you can't work
Pays a monthly income if you're unable to work due to illness or injury. Particularly important for self-employed people in South Lanarkshire who have no employer sick pay.
Mortgage Payment Protection
Covers your monthly mortgage payment
Covers your mortgage payment if you're made redundant or unable to work. A more affordable entry point for buyers on tighter budgets.
Family Income Benefit
Pays a monthly income rather than a lump sum
Pays a monthly income to your family for the remainder of the policy term — often more affordable than standard life insurance.
Buildings and Contents Insurance
Required by your mortgage lender
Buildings insurance is a condition of any mortgage. We arrange it as part of the mortgage process so there's no gap in cover from settlement day.

Explore protection options

Looking for private health cover?Private Medical Insurance
Your Advisers

Direct access. No call centres.

Initial consultation is always free — no obligation, no hard sell.

Phil McLeod
Phil McLeod
Principal Mortgage Adviser
First Time BuyersRemortgageSelf-EmployedComplex Cases

Founder of the firm. Based in Lesmahagow, Phil advises clients throughout Scotland on first time buyer mortgages, remortgages, buy to let, self-employed and complex cases.

Lesmahagow, South Lanarkshire
90+ lenders, whole of market
100+ Google Reviews
Free initial consultation
Book with Phil
Dougie Ritchie
Dougie Ritchie
Mortgage Adviser — Buy to Let & Complex Cases
Buy to LetPortfolio LandlordsComplex CasesLtd Company BTL

Based in Renfrew, Dougie advises landlords and complex-case clients throughout Scotland. An experienced adviser and property investor in his own right.

Renfrew, Paisley & Renfrewshire
90+ lenders, whole of market
Property investor & landlord
Free initial consultation
Enquire with Dougie
Areas We Cover

Mortgage advice across Scotland.

We advise clients anywhere in Scotland — including Fort William, Oban and the surrounding areas — with appointments normally carried out by telephone. Initial enquiries are always free.

Lesmahagow
Lanark
Hamilton
Biggar
Motherwell
Carluke
Larkhall
Strathaven
Douglas
Wishaw
Law
Forth
Crossford
Kirkmuirhill
Abington
Renfrew
Paisley
+ All of Scotland
FAQs

Questions answered honestly.

Google Reviews

What our clients say.

5.0· 100+ Google reviewsRead all reviews →
Donna
Motherwell
"Phil was super friendly and helpful when our mortgage deal was maturing. He compared rates and shared the info simply, allowing us to make the best choice. Will definitely be back — and reminded us to review our insurance too, which was really helpful."
Justine
Larkhall
"Phil has been amazing throughout the full process — reassuring at every step and very helpful with any questions or worries I had. Would absolutely recommend to anyone."
Dave
Wishaw
"Phil was great — helped look after all the details and ensured everything went smoothly. Came back again four years later and nothing has changed. Still brilliant. Responsive, professional, great value."
Related services

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