Can I get mortgage protection urgently in Ireland?

In some cases, yes. If you’re within non-medical limits and don’t have outstanding tests or recent treatment changes, cover may be issued quickly. Where medical review is required, speed is less predictable.

How quickly can mortgage protection be issued?

In straightforward cases, mortgage protection can sometimes be issued within a day or two once a complete application is submitted. This depends on the insurer, your disclosures, and current underwriting turnaround times.

What usually delays urgent mortgage protection?

Common delays include disclosed health conditions needing clarification, upcoming tests or referrals, recent medication changes, or GP medical reports that take time to return.

Does rushing an application help get cover faster?

No. Rushing increases the risk of incomplete information or applying to the wrong insurer first, which often causes delays rather than speeding things up.

What should I do if I need mortgage protection quickly?

Before applying, it’s important to assess whether fast issue is realistic and choose the insurer best suited to your situation. Applying once, correctly, is usually faster than trying multiple insurers under pressure.

Mortgage Protection Insurance Archives

Where Can I Get Mortgage Protection Quickly?

If you need mortgage protection urgently, it may still be possible to get cover issued quickly.

The real risk isn’t speed.

It’s rushing the application and triggering delays or underwriting issues at the worst possible moment.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

February 10 2026 3 min read Mortgage Protection Insurance

The One Plan & Bank-Bundled Insurance: What You’re Not Told

Banks often bundle mortgage protection, life cover and Bill Pay into one policy during the mortgage process.

This guide explains what’s really included, who owns the policy, and why Bill Pay is often mistaken for income protection.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

February 8 2026 5 min read Mortgage Protection Insurance

When Should You Apply for and Start Your Mortgage Protection Policy?

You should apply for mortgage protection as soon as you go sale agreed.

You should issue your mortgage protection policy before you sign binding contracts.

This is the only way to avoid the heartache of not being able to buy your home due to an unexpected health issue.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

February 6 2026 4 min read Mortgage Protection Insurance

Mortgage Protection Insurance for Cancer Survivors in Ireland

If you’ve had cancer and you’re applying for mortgage protection in Ireland, the rules have changed.

This guide explains how the Code of Practice works, who qualifies, what still needs to be disclosed, and where applications can become more nuanced.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

February 4 2026 5 min read Mortgage Protection Insurance

The First Home Scheme and Mortgage Protection

If you’re buying using the First Home Scheme, your bank will still require mortgage protection — but the scheme itself doesn’t.

That matters more than most people realise.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

January 28 2026 5 min read Mortgage Protection Insurance

How Chronic Illness Can Affect a Mortgage Application

Look, having a health condition sucks — it just does.

But it shouldn’t stop you getting a mortgage.

Only in very rare cases will an insurer say no; most people are approved once the insurer understands the condition.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

November 21 2025 4 minutes min read Blog Mortgage Protection Insurance

Getting Mortgage Protection or Life Insurance if you’re HIV Positive

Living with HIV no longer means being locked out of life insurance or mortgage protection.

Treatments are effective, life expectancy is normal, and Irish insurers are finally catching up.

Here’s what getting covered really looks like in 2025 — and how to find the insurer who’ll say yes.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

November 11 2025 5 min read Mortgage Protection Insurance

Life Insurance with Thyroid Conditions (2025 Guide)

Got an underactive or overactive thyroid? Good news — you can still get mortgage protection or life cover at normal rates once your condition’s under control.

Here’s how Irish insurers really assess thyroid issues, and how to get the best deal without the medical drama.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

November 6 2025 3 min read Mortgage Protection Insurance

How Age Affects Your Life Insurance and Mortgage Protection

Birthdays are important because age is the one thing that will always increase the cost of your cover

You might say:

But what about smoking

I say:

Good point but you can always quit and make yourself a non-smoker.

You can’t make yourself younger.

Or can you?

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

October 30 2025 4 min read Mortgage Protection Insurance

What’s a Convertible Mortgage Protection Policy?

shoudl you buy convertible mortgage protection

Mortgage protection’s grand… for your bank.

A convertible plan, though?

That’s where things get interesting — it protects you too, with cover you can extend later without another medical grilling.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

October 16 2025 4 min read Mortgage Protection Insurance