Mortgages for...

Later life lending

New opportunities are always possible

As life progresses, there are still options to help you achieve your goals. Whether it’s staying on the property ladder, making home improvements, or funding lifelong goals, we can find solutions. By exploring options like equity release and retirement interest-only mortgages, we make homeownership achievable at any stage of life, while also helping you use your home’s value for other priorities like debt repayment or personal goals.

Solutions that align with your needs

We pick the right option for you

We have access to mortgage deals from a range of specialist lenders. This means that we could find products and strategies that you didn’t know were available to you.

We take the time to understand you

Everyone’s reasons for considering equity release or an interest-only mortgage are unique. We understand your goals and guide you toward the best solution to help you achieve them.

We have the expert knowledge to help

Starting can be the hardest part, but a good adviser will relieve that pressure. We will also introduce you to other options such as equity release or a lifetime mortgage.

A lifetime mortgage is not suitable for everyone and may affect your entitlement to means tested benefits, so it is important to seek financial advice before taking any action. If you are considering releasing equity from your home, you should consider all options available before equity release.

The interest that may be accrued over the long term with a Lifetime Mortgage, may mean it is not the cheapest solution. As interest is charged on both the original loan and the interest that has been added, the amount you owe will increase over time, reducing the equity left in your home and the value of any inheritance, potentially to nothing.

Although the final decision is yours, you are encouraged to discuss your plans with your family and beneficiaries, as a Lifetime Mortgage could have an impact on any potential inheritance. We would also encourage you to invite them to join any meetings with your Financial Adviser so they can ask questions and join in the decision, as we believe it is better to discuss your decision with them before you go ahead.

Why work with a mortgage adviser?

Working with a mortgage adviser means more options and a better shot at securing a great deal. We will guide you every step of the way and check in regularly to review your mortgage and ensure it still works for you over the years. It’s not just about one transaction; with us, it’s a long-term relationship built around your needs.

As part of our service, we also provide insurance and protection advice. We want you to always be secure in your home, therefore, it’s important to insure you, your health and income to secure yours and your family’s financial security.