Repayment mortgage protection

We are able to tailor the mortgage protection to suit your individual needs. There are so many different types of insurance policies available. At Clearwater we will advise you on what would be suitable and ensure the advice is clear and straightforward.

Level Term Policy

Insurers will pay out a specific sum assured if the live, or lives of the assured dies before a specific expiry date. The sum assured doesn’t usually vary during the term of the policy.

Mortgage Protection

A decreasing term assurance policy where the lump sum assured reduces in line with the capital amount outstanding under a capital and interest repayment mortgage. The premium remains constant.

Buildings and income protection

We can offer to protect the Buildings and Contents of the property you are purchasing, or we can review any existing policy you have in place. We can also protect your family in the event of death; and we can protect your income if you are unable to work due to an accident or illness.

Buildings and Content

Buildings and Contents will cover damage that might occur to the house or its contents, including loss. It is a legal requirement to have buildings cover on all mortgaged houses.

Family Income Benefit

A decreasing term assurance policy which, on the death of the life, or lives assured, pays out an income each year for the remainder of the policy term.

We have a wealth of knowledge about insurance policies, and will help you find the one that's most suitable. Get in touch with us today to find out how we can help.

We offer mortgages for all your needs:

We also offer advice on the "Help To Buy" application.


  • Home Movers
  • Buy To Lets
  • Remortgages

First Timers

  • First Time Buyers
  • 5% Deposit Mortgages
  • New Build Mortgages