Based on your results, you may wish to explore:
- Income Protection
Provides a regular monthly income if you’re unable to work.
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When you have dependants, your financial responsibilities extend beyond yourself. Mortgage payments, household bills, school costs, and everyday living expenses all rely on a stable income.
Family protection is designed to provide financial support if you pass away or become seriously ill during the policy term. It can help ensure your family can remain in their home, maintain their lifestyle, and focus on moving forward — rather than worrying about immediate financial pressures.
At Prudell, we help you assess what level of cover may be appropriate based on your income, family structure, and long-term goals.
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Full review of your current financial commitments and dependants.
Assessment of any existing protection policies already in place.
Clear recommendations on suitable cover levels and structures.
Straightforward explanation of costs, options and key differences.
Complete handling of paperwork and insurer communication.
Ongoing support and regular reviews as your circumstances change.
Family protection isn’t a single policy — it’s a combination of cover types designed to support your household if the unexpected happens. Depending on your circumstances, you may need a lump sum to clear major debts, a regular income to cover ongoing living costs, or protection that supports you if illness prevents you from working.
The right structure will depend on your mortgage, income, number of dependants, and long-term financial plans.
Provides a lump sum payment if you pass away during the policy term. This can help repay the mortgage, clear debts, or create a financial safety net for your family’s future.
Pays a lump sum if you are diagnosed with a specified serious illness during the policy term. This can help with medical recovery costs, home adjustments, or replacing lost income.
Instead of a lump sum, this policy pays a regular tax-free monthly income to your family if you pass away during the term — helping to cover ongoing living costs.
Pays a regular monthly income if you’re unable to work due to illness or injury, this can help you meet mortgage payments and household bills whilst you recover.
How financially secure would your family be if your income stopped?
Start with our Risk Assessment tool to understand the likelihood of major life events before retirement, then use our Insurance Protection calculator to explore how different types of cover could support your household if illness or loss of income occurs.
Insurance Protection Adviser
“Family protection isn’t just about replacing income — it’s about maintaining stability at a time when everything else may feel uncertain. The right structure can help ensure mortgage payments, household bills and everyday living costs remain manageable, giving your family financial breathing space when it matters most.
Every family’s circumstances are different. By carefully assessing income, dependants and long-term goals, we can recommend a combination of cover that provides meaningful protection — not just a policy, but a plan designed around your family’s future.”
Full review of your current financial commitments and dependants.
Assessment of any existing protection policies already in place.
Clear recommendations on suitable cover levels and structures.
Straightforward explanation of costs, options and key differences.
Complete handling of paperwork and insurer communication.
Ongoing support and regular reviews as your circumstances change.
Family protection policies are designed to provide financial support for your dependants in the event of death, illness or loss of income, subject to the terms of each policy.
Cover will lapse if premiums are not maintained, meaning no benefit will be payable.
Life Insurance and Family Income Benefit only pay out on death within the policy term and do not provide any value if no valid claim is made.
Critical Illness policies only pay out on specific conditions defined by the insurer, and not all illnesses or diagnoses will be covered.
Income Protection policies may include waiting periods, benefit limits and exclusions, and may not cover all circumstances preventing you from working.
Policy terms, conditions and exclusions will apply.
Understand the risks of major life events before retirement and the possible financial consequences if your income were affected. This assessment will provide guidance on the appropiate insurance protection to consider.
Likelihood
Likelihood
Likelihood
Likelihood
Based on your results, you may wish to explore:
Provides a regular monthly income if you’re unable to work.
These results are illustrative and based on general statistical data. They are not a quotation or personalised advice. Suitable cover and premiums will depend on your individual circumstances and insurer underwriting. Please speak to a Prudell adviser for tailored guidance.
Explore your options in protecting your mortgage commitment.
This is an indicative estimate only. Results are based on the details you provide and typical market assumptions. Availability, terms, and costs may vary following underwriting. This calculator does not provide advice. For a personalised, FCA-compliant review, speak to Prudell.
How much can you save with a mortgage refinance?
This is for capital + interest mortgages only.
This calculator provides estimates only and does not constitute a mortgage offer or financial advice. Figures are based on the information you provide and assumptions that may change. Your actual mortgage options, interest rate, fees, and savings may differ. Speaking to a Prudell adviser will allow us to assess your circumstances and provide personalised advice.
Find the best deals on the market from over 50 lenders.
Based on your details, here are some suitable mortgage options for you.
Estimated
Monthly Repayment
Estimated
Monthly Repayment
Estimated
Monthly Repayment
Rates shown are indicative and based on current market averages. Actual rates will depend on lender criteria and individual circumstances. To get more information to see the actual products with the named lenders, compare fees properly, and learn which is best for you, get in touch with a Prudell adviser.
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Your mortgage shouldn’t be set and forgotten, many people forget this and end up overpaying. We’ll monitor it for you — and let you know when action is worth taking.
Before buying a property, see how much Stamp Duty is due.
These results should be accurate. Rates last updated on 10.12.25
Get an estimate on how much can you afford to borrow according to lenders.
This is an estimate. Final offers depend on lender criteria, credit profile and verification. Contact Prudell for an FCA-compliant assessment. This calculator uses an income multiple method (common for quick estimates).
Estimate how much you could borrow based on income.
This is an estimate. Final offers depend on lender criteria, credit profile and verification. Contact Prudell for an FCA-compliant assessment. This calculator uses an income multiple method (common for quick estimates). Use the Mortgage Affordability tool for a 'lender-style' check.
Compare repayment, Retirement Interest Only, and lifetime mortgage options to understand your monthly payments, total interest, and longer-term impact. Adjust the figures to explore how different borrowing types could affect your costs over time.
Interest-only mortgages do not repay capital.
These results are for illustration only and are based on the information entered. Actual lender terms, interest rates and compounding methods may differ. Property growth is assumed at 2.5% per year for illustration and is not guaranteed. For personalised advice and precise figures, please speak to a Prudell adviser.
First-time buyer
95
5.00
First-time buyer
90
4.40
First-time buyer
85
4.20
First-time buyer
75
4.10
New Mortgage
90
4.50
Remortgage
90
4.35
Remortgage
75
4.15
Last Updated: 18/01/26
First-time buyer
95
5.50
First-time buyer
90
5.10
New Mortgage
90
5.00
Remortgage
75
4.60
Last Updated: 18/01/26
Buy-to-Let
90
5.30
Buy-to-Let
75
5.10
Buy-to-Let
60
4.90
Last Updated: 18/01/26
Buy-to-Let
90
5.75
Buy-to-Let
75
5.35
Buy-to-Let
60
5.05
Last Updated: 18/01/26
0.12
0.30
0.55
Last Updated: 18/01/26
Note:
Low/Fee-Free
0
0
0
0
0
Higher rate, minimal upfront cost
Standard
999
0
0
0
-0.10
Typical fee buys a small discount
Premium
1495
0
0
500
-0.20
Lower rate, higher fee, cashback offsets
Last Updated: 27/01/26
Low/Fee-Free
0
0
0
0
0
Short-term flexibility
Standard
499
0
0
0
-0.05
Slightly lower rate
Incentivised
999
0
0
500
-0.10
Tracker / discounted variable
Last Updated: 27/01/26
Low/Fee-Free
0
0
0
0
0
Common for first-time buyers
Standard
999
0
0
0
-0.10
Most mainstream products
Cashback
1495
0
0
500
-0.20
Higher fee, lower rate
Last Updated: 27/01/26
Low/Fee-Free
0
0
0
0
0
Often used as short-term solution
Standard
499
0
0
0
-0.05
Discounted variable
Cashback
999
0
0
500
-0.10
Less common but exists
Last Updated: 27/01/26
Low/Fee-Free
0
0
0
0
0
Often lender-assisted switch
Standard
999
0
0
0
-0.10
Typical remortgage
Cashback
1495
0
0
500
-0.15
Cashback ≠ full rate buy-down
Last Updated: 27/01/26
Low/Fee-Free
0
0
0
0
0
Common short-term remortgage
Standard
499
0
0
0
-0.05
Discounted tracker
Cashback
999
0
0
500
-0.10
Incentivised but cautious
Last Updated: 27/01/26
Low/Fee-Free
1499
0
0
0
-0.15
Most BTL products
Standard
1999
0
0
0
-0.25
Lower rates for higher fees
Cashback
2499
0
0
500
-0.30
Portfolio / professional landlords
Last Updated: 27/01/26
Low/Fee-Free
999
0
0
0
-0.10
Tracker / SVR discount
Standard
1999
0
0
0
-0.20
Lower margin products
Cashback
1999
0
0
500
-0.20
Less common but valid
Last Updated: 27/01/26