When asked, most homeowners would say their biggest asset is their house - the bad news being their biggest liability is their mortgage. If you were suddenly and unexpectedly unable to earn an income, would you rather see your mortgage cleared or lose your house?

Clearly, it’s a situation none of us would wish for, but through affordable protection you could give yourself and your family sufficient funds to repay the mortgage in full.

Your mortgage is as equally vulnerable if you’re either temporarily or permanently unable to work or if you’re made unemployed, as it would be if you became critically ill or passed away. Yet all these eventualities can be covered for surprisingly little cost.

Don’t delay, contact one of our Openwork advisers to talk you through the process and advise you on the best options.