Hi Scary
If you don't have any dependents, you don't need a mortgage protection policy, although the Consumer Credit Act forces it on you.
I think it will be hard to get at a reasonable price.
If that is the case, the act waives the need for mortgage protection, but the banks are likely to look for a larger deposit.
There was an interesting thread recently, where it was suggested that the borrower lie about their medical history and thus meet the requirements of the lender for getting a mortgage. If I recall correctly, they had some issue 3 years ago but couldn't get insurance until they were 5 years free of the issue. So it was suggested that they lie for the moment and then make a full disclosure after two years. In the end, I think that they just increased their deposit.
brendan