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Life is unpredictable
Life can throw us curveballs—an unexpected illness, an accident, or a sudden change in circumstances. Without the right protection, these events can put everything we care about at risk.
About Hug Mortgages
At Hug Mortgages, we believe everyone deserves the confidence that comes from finding the right mortgage — without stress, jargon, or unnecessary fees. Whether you’re buying your first home, moving, remortgaging, we’re here to guide you every step of the way.
Why we exist
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Protection made clear
But too often, financial protection has felt confusing, expensive, or out of reach. We're here to change that. Hug Life is dedicated to providing clear, affordable, and meaningful insurance that protects your finances, your health, and your future.
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Part of something bigger
We’re not just another insurance company—we’re a part of Hug’s mission to build financial confidence for everyone. Whether it's safeguarding your family’s future, your business's resilience, or your own peace of mind, we’ve got your back.
Our promise to you
When you choose Hug Life, you’re choosing simplicity, honesty, and genuine care:
Crystal-clear communication
No jargon, no confusion—just straightforward advice you can trust.
Truly personalised cover
We take time to understand your unique circumstances, matching you with cover that’s just right for you.
Fee-free advice
Our reviews, recommendations, and quotes are all provided free of charge, with no strings attached.
Support that’s human
Real people, ready to listen, understand, and help you protect what matters most.
Powered by Hug, building better financial futures for everyone
Hug Life is proud to be part of the Hug family of businesses, each dedicated to putting real financial power into the hands of people and businesses who need it most. Together, we're making financial confidence achievable for everyone, not just the privileged few.
Explore the wider Hug family:
Hug Academy
Practical, real-world financial education to build your money skills and confidence.
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Hug Enterprises
Affordable, impactful employee benefits tailored specifically for SMEs to improve employee wellbeing, retention, and productivity.
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Hug Life
Whole-of-market mortgage advice with zero broker fees, helping you make the smartest protection products.
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Hug Wealth
Coming Soon - Independent financial advice and regulated wealth management to help you grow lasting financial security.
Visit siteOur core values
Everything we do at Hug Life is built on three key principles:
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Education
We provide clear, accessible financial education to empower informed decisions.
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Generosity
We always give more than we take—offering free services others charge for, building trust and genuine gratitude.
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Transparency
No hidden costs, no surprises. Just simple, reliable cover that's easy to understand.
Who we’re for
We’re here for anyone who wants a mortgage journey that feels clear, fair, and stress-free. From first-time buyers and growing families to later-life borrowers and SMEs supporting their employees, Hug Mortgages is built for you.
If you’re looking for expert advice without the jargon or fees — and a partner who cares as much about your future as you do — you’re in the right place. Because when your mortgage works for you, life feels lighter for everyone around you too.
Talk to a friendly Hug Mortgages adviser