Income protection

Find out more about income protection and our competitive rates available at Mortgage Light based in Milton Keynes.

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ENSURE YOUR SALARY IS PROTECTED WITH MORTGAGE LIGHT

Income insurance & protection advisers in Milton Keynes & whole of UK

Income Protection can provide you with a regular monthly income if you suffer a loss of earnings due to ill health or accidental injury. This benefit will pay a proportion of your income, and is designed to help support you financially whilst you are unable to work, or for a fixed period of time.


Income Insurance policies are designed to payout until you go back to work, however, if you are interested in this type of cover but can't afford to take full Income Protection there is a default option which will pay out for up to two years only which is cheaper with a lower monthly premium.


Many providers now also support non-traditional professions, including self-employed workers, freelancers, and even stay-at-home parents or homemakers. This means that even if you don't have a standard PAYE income, you could still be eligible for meaningful protection.


Cover durations are flexible and can be tailored to your retirement age or personal timeline. As long as you maintain your premiums, your policy remains in place, but it’s worth noting that income protection does not have a cash-in value at any point.

PROTECT YOU AND YOUR FAMILY's FINANCes.

Added value benefits you might not expect

Many modern income protection policies now include a range of additional benefits,  some standard, others optional - offering broader family support. These may include:

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Parent & child cover

Lump sum payouts if your child is diagnosed with a serious illness.

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Fracture cover

Financial support for specific bone injuries, often paid alongside your monthly benefit.

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Death benefit

A fixed payment to your family if you die during the policy term.

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Payment breaks

Some policies pause premiums for up to 6 months in the event of involuntary unemployment.

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Mental health & wellbeing

private GP access or physiotherapy as part of the policy.

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Pregnancy cover

Financial support or lump sums for specific pregnancy complications.

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Global treatment

Cover for specialist overseas treatment if it isn’t available locally.

Please note: Every insurer is different, and the benefits included can vary, which is why tailored advice is key.

💡 Working with the leading lenders in the whole of market...

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HOMEOWNERSHIP FOR EVERYONE.

10 ways first time buyers are getting on the property ladder

As a first-time buyer, there are a number of mortgage products designed to help make homeownership more accessible - particularly if you’re struggling to build up a large deposit. 

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Low deposit mortgages

Where some lenders will accept deposits as low as 5%, depending on your credit profile and income.

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Higher income multiples 

Available to applicants with strong rental histories, a high salary, or professional qualifications, often more accessible when you have a larger deposit

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Cashback mortgages

A fixed sum back upon completion to help with initial costs - normally linked to new build homes.

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Shared ownership

Where you buy a share of a property and pay rent on the remainder – with the option to purchase more shares over time.

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Builder or developer incentives

Often offered on new-builds to reduce your upfront costs - there are often ways to work directly with the developer to tailor the deal and explore additional mortgage options.

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Joint borrower, sole proprietor mortgages

Sometimes called “income booster” - allowing a parent or family member to support your income without being named on the property

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Zero deposit (100%) mortgages

Available in specific circumstances – such as where you've been renting for a period of time and can show a consistent payment record. These are subject to stricter eligibility criteria and affordability checks.

Looking to get more information on your first mortgage?

PROTECT YOUR INCOME WITH MORTGAGE LIGHT.

Our team are here to help.

We make this easy for you. Simply contact us to arrange to come in and discuss your needs. If you’re pushed for time, call one of our expert advisers and we will be able to go through your options in a quick chat over the phone.