Homeowners. have you any advice for me?

As long as your existing life cover if enough to pay the outstanding mortgage should anything happen to you then yes, you can use that. You don't HAVE to have life urance at all, its just advisable to if you have dependents. Your critical illness cover is a good idea and you may want to look at redundancy insurance as well, but again its your choice. Only other thing you need to be aware of is that you'll need buildings insurance on the house your buying, but this can be done really simply and quite cheaply. Good luck.