Mortgage Protection · FTB & Switcher
Understand what your bank can and can't require — then decide.
We explain decreasing vs level, joint vs dual, and what insurers typically charge before anyone asks for a quote. When you want to bind cover, we'll introduce you to an independent advisor.
Indicative monthly range — public rate cards
Mortgage Protection — Quick Quote
Indicative monthly premiums based on public rate cards — not a regulated quote.
Joint pays out once on first death. Dual covers each life on a separate policy — both can pay out.
Decreasing — sum assured falls in line with your mortgage balance. Level — stays the same for the full term.
The opening loan amount you need to protect.
Match this to your mortgage term — typically 25–35 years.
Insurers treat any nicotine use as smoker rates. Honesty protects your claim.
Indicative monthly range
€9.28 – €12.69
across 5 insurers · incl. 1% govt levy
| Insurer | Low | High |
|---|---|---|
| Zurich Life | €9.28 | €10.47 |
| Royal London | €9.57 | €11.01 |
| Aviva | €10.27 | €11.58 |
| Irish Life | €10.74 | €12.36 |
| New Ireland | €11.25 | €12.69 |
- • Monthly premiums in EUR, inclusive of 1% Irish government levy.
- • Rates illustrative only — actual price subject to full underwriting (medical history, occupation, BMI, family history).
- • Decreasing term — sum assured reduces in line with a typical mortgage repayment schedule.
- • Single life — covers one borrower.
- • Smoker loading applied where declared. Non-disclosure may invalidate a claim.
Information only — not financial advice or a regulated quote. Read how we work.
Download a plain-English mortgage protection summary
One PDF, no jargon — what your bank needs, what it should cost, and how to switch if you're overpaying. Saved straight to your device.
Email is optional. We don't send automated marketing emails. If you leave one, we'll introduce you to an independent advisor within 2 business days.
Information only — not financial advice or a regulated quote. Read how we work.
Real clients
Switchers and first-time buyers
First-name + initial · published with written consent
The bank quoted us €58 a month. FarrFin came back with €34 from a different insurer the same week. No paperwork pile, all signed on my phone.
Sinéad O. · Galway City
€288/year saved · on-risk in 9 days
I was three weeks from drawdown when the bank's policy fell through underwriting. Bert had a replacement bound with a different life office before the solicitor even noticed.
Declan K. · Sligo
Drawdown saved · zero delay
Dual life cover for both of us came out cheaper than the joint policy the bank put in front of us. We didn't even know the option existed.
Mark H. & Ciara H. · Westport
Dual life · €11/month cheaper than joint
Testimonials describe individual outcomes. Premiums, savings and underwriting decisions vary case-by-case. A Trustpilot / Google Reviews feed is on the roadmap.
Common questions