Mortgage Protection

Protect your home for the ones you love

Designed specifically for Police Officers and staff, ensuring your mortgage is covered if the worst happens. Get £100,000 worth of cover from as little as £4.00 per month

Designed to repay your mortgage

Cover on and off duty

Open to ages 18 to 70

Cover up to age 80

Optional critical illness cover

Get a quote Speak to our friendly team

What is Mortgage Protection?

Our Mortgage Protection Plan (also known as Decreasing Term Insurance) is designed specifically for Police Officers and staff with a repayment mortgage. It ensures that the outstanding balance on your mortgage will be taken care of if you die or are diagnosed with a specified critical illness — so your loved ones won't be left with that burden.

The plan pays out a lump sum to cover the remaining balance of your repayment mortgage. You can take out single life cover or joint life cover depending on your needs. A joint life plan pays out once on the death of the first to die, after which the plan ceases. For only £2 more in total per month, you can each have your own single life plan, and you can then add critical illness benefit to each plan if you wish.

Please refer to our policy wording and key features for more information.

On death during the term of the plan. Where two people are covered (joint life): on the death of the first to die.

On diagnosis of a specified critical illness (if included as optional benefit).

On diagnosis of a terminal illness (less than 12 months to live), but not in the final 24 months of the plan term.

If you do not disclose relevant medical information on your application form.

If you do not tell us about change after completing your application but before cover starts, including changes to your health, smoking status, use of drugs or alcohol, or hazardous pastimes.

If death occurs due to suicide during the first year of the plan.

If you cancel the plan or if any premiums are more than 30 days overdue (60 days for payroll deductions).

Get a quote Speak to our friendly team

At a glance

Designed to repay your mortgage
Cover for on and off duty from £4.00pm per £100k covered
Lower cost as pay out decreases in line with mortgage balance
Critical Illness option (available up to age 60)

Quick links

Jargon Buster Police Pay Guide

Made for the Police Family

Better protection

Our policies are fully protected by the Financial Services Compensation Scheme (FSCS). Designed to keep your savings safe if a provider fails, giving you peace of mind.

Built for the Police Family

A Friendly Society serving the UK Police Family for 130+ years.

Member-owned

As a mutual, all profits are returned to Members through bonuses and in support of the wider Police Family.

All serving and retired Police Officers, Staff and their families are eligible

How it works

Choose the level of cover to match your repayment mortgage. Rest assured your home will be protected if the worst happens.

Get a Quote

You can apply online or speak to one of our friendly team who will be happy to help. This will give you an idea of the monthly cost before any further health questions etc.

Complete your application

If you are happy with your quote, apply online, on paper or over the phone with one of our team. The price and terms may be affected by your health, family history and lifestyle.

Peace of mind

With cover in place, you have the reassurance your loved ones will have the financial support they need if the worst happens.

Key Information

Before you get a quote for Mortgage Protection, please read the key information below.

Application form

Your Mortgage Protection application. Please ensure all questions are fully answered.

Download PDF

Direct debit form

Complete this form to pay your Mortgage Protection premiums by direct debit.

Download PDF

Key Features

Full product information including charges, deductions and exclusions.

Download PDF

Current Policy Wording

Single Life Mortgage Protection (Without Critical Illness Cover)

Download PDF

Current Policy Wording

Single Life Mortgage Protection (With Critical Illness Cover)

Download PDF

Current Policy Wording

Joint Life Mortgage Protection

Download PDF

As a NARPO Member, I’m proud to say that Police Friendly & Metfriendly has delivered financial security for me and my family.

Craig Haslam, DL FGPT, Retired Chief Superintendent

Your presenters were really good and explained what can be complicated and complex matters, in a simple and easy to understand format.

Pre-retirement seminar attendee

Little bits of saving down the line can make a huge difference to your family, whatever the future brings.

Emma Richards, third generation Retired Police Officer, Police Friendly & Metfriendly Non Executive Director

I have always been pleased with the returns from my Police Friendly & Metfriendly Policies.

Mr P Payne

With the Government’s Lifetime ISA bonus and my family chipping in, I was able to buy my first home sooner than I ever dreamed.

Mr B

Great opportunity for family Members to be offered the same offers as Members.

Miss A McLeary

Contact us directly

Get free, personalised guidance on your savings and investment options.
For serving, former and retired Police Officers, Staff and their families.
A 20-30 minute session with one of our friendly team.

Call us today

08:30 to 17:00 Monday to Thursday and 08:30 to 16:30 on Friday.

01689 891454

Send a message

Get in touch using the email below or fill in the form to get a call back.

info@mpfs.org.uk

Office

MPFS, Central Court,
Knoll Rise,
Orpington
BR6 0JA

Get directions

Request a callback

Want to talk to one of our friendly team about your options? Drop your details on the form below and we will get in touch.