Specialist Consumer Products – Mortgage Indemnity Insurance
Our tailored Mortgage Indemnity insurance for lenders protects against financial losses if a borrower defaults on their mortgage. An indemnity policy ensures that lenders are safeguarded against potential shortfalls in repayment, offering peace of mind in uncertain situations.
This type of Indemnity insurance is particularly valuable for high-risk lending scenarios, providing an extra layer of security. By covering financial gaps that may arise from default, Indemnity insurance on residential mortgages helps lenders maintain stability and manage their portfolios effectively.
With our comprehensive solutions, you can ensure that your investments are protected while supporting borrowers in achieving their property ownership goals.

- Banks
- Building societies
- Credit unions
- Managing General Agents (MGAs)
- Specialist mortgage lenders
Our Mortgage Indemnity insurance provides a lender with financial protection against losses following the possession and sale of a residential property.
We offer full ground-up coverage and excess of loss options.
We also offer cover on self-build properties, including stage payments made in advance, helping borrowers to stay in their homes until the new property is ready.
- Our flexibility sets us apart, offering bespoke insurance products that can be adapted to meet diverse client requirements and evolving market conditions.
- We are your go-to team for mortgage indemnity insurance and are recognised by the market for our specialist knowledge and experience in this field.
- We manage claims with thoroughness and accuracy, providing supportive guidance throughout the process, including during the launch of new schemes.
Speak to one of our specialist underwriters








FAQs
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Mortgage Indemnity insurance is an insurance policy that protects lenders from losses if a borrower defaults and the sale of the property doesn’t cover the outstanding mortgage.
It’s commonly required when a borrower has a low deposit, increasing the lender’s risk. This ensures that lenders can recover any shortfall between the selling price of the repossessed property and the loan amount still owed.
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- Additional risks in self-build and custom-build projects
- Costs during the sale of a repossessed property
- Legal costs associated with repossession
- Losses due to borrower default
- The shortfall between property sale proceeds and outstanding loan
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Lenders require Mortgage Indemnity insurance to mitigate the financial risk associated with high loan-to-value mortgages.
This insurance is particularly important when lending to borrowers who cannot make a substantial down payment. It provides a safety net that covers potential losses from defaults.