Is Mortgage Protection Compulsory in Ireland? 2026 Guide
Is mortgage protection compulsory in Ireland? For most buyers, yes — but the law sets out four exemptions, including over-50s and those who can't get cover. Here's who qualifies.
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Is mortgage protection compulsory in Ireland? For most buyers, yes — but the law sets out four exemptions, including over-50s and those who can't get cover. Here's who qualifies.
Read more →New to buying? Mortgage protection is required before drawdown in Ireland. Learn what it is, how much you need, when to arrange it, and why you shouldn't just use your bank.
Read more →Do you need a medical for mortgage protection in Ireland? Most people don't. Learn what triggers a medical, what a nurse screening involves, and how to avoid last-minute delays.
Read more →Smokers can pay vastly more for mortgage protection in Ireland. Learn what counts as smoking (vaping included!), the 12-month rule, and how to reduce premiums after quitting.
Read more →Being declined for mortgage protection because of your BMI can feel devastating. Most people with high BMI can get cover—you need to understand thresholds and insurer assessment.
Read more →Getting mortgage protection after cancer is easier in 2026. New legislation reduces the waiting period to five years and increases coverage to €650,000 for cancer survivors in Ireland.
Read more →Most people with diabetes can get mortgage protection in Ireland, though premiums vary significantly. Learn what affects your application and how to secure the best possible terms.
Read more →Everything you need to know about mortgage protection insurance in Ireland. From legal requirements to choosing between single, joint, and dual life cover - plus how to save thousands
Read more →Unmarried homebuyers face a 33% inheritance tax trap with joint life policies. Two single policies cost a few euros more monthly but save your partner from a six-figure tax bill
Read more →Finding the best mortgage protection broker means evaluating experience, market access, and service quality. Learn what separates excellent brokers from average providers.
Read more →Worried about answering life insurance questions incorrectly? This guide explains exactly what insurers ask, how to answer honestly, and what happens if you make a mistake.
Read more →Mortgage protection takes 24 hours to 8 weeks in Ireland depending on your health. Discover the exact timeline, what causes delays, and when to start your application.
Read more →Switching mortgage lenders? Discover what happens to your mortgage protection policy, how to transfer it correctly, and why this could save you thousands on insurance costs.
Read more →You don't have to buy mortgage protection from your bank. A broker compares all Irish insurers and often saves you €20-50 per month - that's real money over 25 years.
Read more →Compare mortgage protection in Ireland properly. Discover what differs between policies, premium structures, conversion options, claims experience, and how to find the best value cover in 2026.
Read more →Getting mortgage protection quotes in Ireland? Learn what affects your premium, how to compare insurers, and avoid common mistakes. Find the right cover at the best price in 2026.
Read more →There's no single 'best' mortgage protection in Ireland. Compare Irish Life, Zurich, Royal London, Aviva, and New Ireland to find which insurer suits your specific needs
Read more →Mortgage protection is compulsory in Ireland - but most buyers overpay by thousands. Learn how to get the right cover at the right price without buying from your bank
Read more →When you first took out your mortgage, you were required by law to arrange mortgage protection insurance. At the time, you likely went with...
Read more →When you take out a mortgage in Ireland, protecting your family's financial security becomes paramount. Mortgage protection insurance is not merely a sensible precaution it's ...
Read more →Regulated by the Central Bank Of Ireland no. 190060
Northstar Financial Planning Limited trading as QuoteLeader is regulated by the Central Bank Of Ireland no. 190060
*Average Cash-Back amount is based on average for all qualifying policies in 2024.
This offer applies to all Mortgage Protection, Term Life Cover and Critical Illness Cover policies with a term of 10 years or more - Click here for terms
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