Leaving Harrison Brook UK

Mortgage Loan Insurance

Buying property as a UK expat is a major financial commitment—but what happens if life takes an unexpected turn?

What we're about…

Keeping it simple

We cut through the complexity of managing finances overseas by avoiding jargon and obscure industry terms. Instead we prefer familiar, reassuring language, and simple financial planning solutions that make sense to everyone.

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Mortgage loan insurance ensures your home, investment property, or loved ones remain protected even if your income stops, your health changes, or the unthinkable happens. At Harrison Brook, we help UK expats and returnees arrange protection cover tailored to their international circumstances and financial needs.

Whether you’re living abroad with a UK mortgage, planning a return to Britain, or investing in rental property, we provide expert, FCA-regulated advice on the right type of insurance to protect your assets and income. Our policies are portable, flexible, and suited to internationally mobile lifestyles.

Why Mortgage Protection Matters

A mortgage is likely one of your largest financial obligations. For expats, securing protection is even more important, as working and living abroad often means:

  • No automatic access to UK state benefits
  • Employer coverage that doesn’t extend beyond borders
  • Complex tax or residency rules that impact claims

Without adequate protection, your family could be at risk of losing the property if something goes wrong. Insurance gives peace of mind, ensuring the mortgage can still be paid no matter what happens.

Key Types of Mortgage Loan Insurance

1. Life Insurance

Pays off the remaining balance of your mortgage if you pass away during the policy term. Especially important for families who rely on your income, or if the property is jointly owned. We offer level term, decreasing term, and whole-of-life options tailored to the loan type.

2. Critical Illness Cover

Provides a lump sum if you’re diagnosed with a serious illness such as cancer, stroke, or heart disease. This can help cover your mortgage while you recover, or provide financial flexibility for treatment or lifestyle changes.

3. Income Protection

Replaces a portion of your income if you’re unable to work due to illness or injury. Particularly relevant for self-employed expats or those with variable income. Covers long-term absence and offers tax-efficient payout structures.

Protection for Every Scenario

Whether you own a buy-to-let in Manchester, a pied-à-terre in London, or a family home in Sussex, your property needs protecting. We work with both UK and international insurers to source portable cover that follows you wherever you go.

Some of the scenarios we cover:

  • British expats living in the EU, UAE, US, Asia or Africa
  • UK nationals with multi-currency income
  • Clients moving back to the UK and seeking continuity of cover
  • Mortgage applicants looking to bundle insurance with their loan

Why Choose Harrison Brook?

  • Independent and Unbiased: We’re not tied to a specific insurer, so we compare the market for the best expat-suitable options.
  • FCA-Regulated Advice: We’re authorised to advise on UK-based insurance from abroad.
  • Global Reach, Local Understanding: We understand both international mobility and UK mortgage rules.
  • Full Support, End-to-End: From initial needs analysis to policy application and claims guidance, we’re with you every step of the way.

Protect Your Property and Peace of Mind

Mortgage loan insurance may not be mandatory, but it’s essential. Don’t let the unforeseen undo your financial planning. Let Harrison Brook help you choose cover that works across borders, with providers that understand expat realities.

What Our Customers Say

Don't just take our word for it, here's what some of our clients have to say.

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Testimonials

  • "I found my personal private client adviser Ryan Frost to be very efficient, knowledgeable and helpful. I will not hesitate to recommend his services to others."

  • "Prompt reliable and expert help when needed.Transparent disclosure of all the costs involved. Friendly and efficient service I would highly recommend."

  • "Sound advice in difficult times. Acceptable prices when compared with alternatives. Regular contact and updates in clear understandable form."

  • "I would definitely recommend Harrison Brook to other people. My experience in working with our financial advisor was extremely positive. Speed of response and the level of attention to our needs and requests was great. Administration support was flawless."

  • "Excellent customer service all the way through, professional, proactive, patient in answering all my questions, immediate answer to emails, great follow up and communication, deep legal knowledge and legal experience in the field, all of which helped in having my pension transferred in a faster amount of time than normal. I’ve rarely received such swift and excellent customer service before. The whole complex pension transfer experience could have been heavy and stressful, but instead it was the whole opposite."

  • "It's a nerve-wracking thing to entrust your life savings to a person and company you have never met before. Ryan made the process easy. It was calm, I felt in control and was able to asks and get answers to all the questions I had. I am now all set up with my International SIPP and couldn't be happier."

Harrison Brook has a 5 star independent service rating on Feefo

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