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Lifetime Mortgages

Equity release is a way for homeowners, aged 55 or over, to unlock some of the equity from their home. A lifetime mortgage, the most popular type of equity release, is a loan secured against your home.

Through our business partner, Mortgage Advice Bureau Later Life, we can help you to arrange a free consultation with an expert equity release adviser. To book a free consultation for you or a family member, please contact us.

Mortgage Advice Bureau Later Life offer lifetime mortgage products from a carefully selected panel of providers.

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About Lifetime Mortgages

If you’re a home owner aged 55 or over, you may want to unlock some of the money tied up in your home. This is where a Lifetime Mortgage, the most popular type of Equity Release can be useful because they enable you to free up some of the equity held in your home.

A Lifetime Mortgage could allow you to:

  • Release a single lump sum or following an initial lump sum you can release the money in stages as and when needed. This is known as a drawdown lifetime mortgage.
  • Typically you can spend your money in a variety of ways

Through our business partner, we can help you to arrange a free consultation with an expert equity release adviser.

Mortgage Advice Bureau Later Life offer lifetime mortgage products from a carefully selected panel of providers.

Here are some of the reasons that you might consider a Lifetime Mortgage:

  • You are asset rich but cash poor but don’t want the stress of moving home.
  • You want to boost your finances in retirement.
  • You have existing debt to clear such as an existing mortgage.
  • You want to fund home improvements.
  • You want to help family and friends.

If any of these circumstances sound like you, then we could help.

Through our business partner, we can help you to arrange a free consultation with an expert equity release adviser.

Mortgage Advice Bureau Later Life offer lifetime mortgage products from a carefully selected panel of providers.

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How an Equity Release expert can help

To make sure you receive the most suitable advice, we can refer you to specialist equity release advisers that can advise you on lifetime mortgages. Your Mortgage Expert Ltd works with Mortgage Advice Bureau Later Life who provide our Later life lending proposition.

Through our business partner, we can help you to arrange a free initial consultation with an expert equity release adviser.

Mortgage Advice Bureau Later Life offer lifetime mortgage products from a carefully selected panel of providers.

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Things to know:

  • Equity Release isn’t for everyone. You need to think carefully before you decide whether it’s right for you – it’s all about weighing up the pros and cons. That’s why we can refer you to an expert equity release adviser through our Business Partner, Mortgage Advice Bureau who has specialist knowledge on the subject and can give you all the facts, point out the features and the risks.
  • There will be fees and other financial implications which your expert equity release adviser will explain to you.
  • The amount you could release depends on a range of factors such as your age, health and lifestyle choices and how much your house is worth.
  • Equity release will reduce the value of your estate and may affect your entitlement to means tested benefits.

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Your equity release adviser will help you consider your options and help you to understand whether there are alternative options which might be more appropriate in your circumstances.

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    Max and Martha, First Time Buyer customers from Cardiff

  • “Being in the Armed Forces I am away a lot, meaning it can be hard to attend meetings, answer emails and especially hard to fill in forms. Adam and his team were extremely helpful and understanding of our situation and provided help wherever they could. After our initial meeting where we provided our required details, we actually did very little of the hard work, apart from signing a couple of papers.”

    Callum and Verena, First Time Buyer Armed Forces Mortgage Customer from Salisbury

  • “I expect my circumstances were fairly rare, but the help and guidance I received from you was invaluable. I feel that the personal touch you provide offers something that appeals to the soldier in me.  During my service I always liked to have a point of contact, someone who was the “go to” specialist in their field.  This provides a degree of assurance about a situation and it was refreshing to find that same degree of certainty transitioning to civilian life, particularly with something as important as a mortgage and buying our family home.”

    Andrew and Helen, Armed Forces Mortgage Customers from Salisbury

  • “Even though we were used to having a mortgage on the rental property, paying a mortgage on your own home was still a bit of a shock after years of having married quarter rental deducted from your pay at source. But, at every step along the way, we felt reassured, understood and that we really mattered to Adam. Trust is an important concept for military families and we trusted Adam.”

    Fiona and Graham, Armed Forces Mortgage Customers from Wilton

  • “As a contractor, it was difficult for me to obtain a mortgage through normal channels so it was great to find a mortgage adviser that specialised in contractor remortgages and understood the challenges. In addition, I had fairly tight timescales, so wanted someone who could make the process quick and hassle free.”

    Andrea, Contractor Mortgage Customer from Warminster

  • “I am a contractor, therefore require specialist mortgage advice. Adam has now concluded two mortgages for us (new mortgage then a contractor remortgage), and is currently arranging a buy-to-let mortgage for us. He also arranged our life insurance for us. We keep returning to him for some great reasons – he is always available, and ready to help. He provides great advice, and always ensures that he meets our requirements exactly. He is prepared to explain things in such a way that even a lummox like me can understand, and his level of service has remained consistently good over the last three years.”

    Matt, Contractor Mortgage Customer from Southampton

  • “Adam’s advice on the different types of critical illness and life insurance were really useful. He also worked with us to decide the best combination of policies that would work with our existing policies to cover our needs. When doing this he happily tweaked quotes for us until we came out with an arrangement that was both affordable and would provide us with the level of cover we thought appropriate.”

    Hannah and Steve, Protection Insurance Customers from Stamford

  • “Adam provided us with factual advice and also with options of which we were unaware. The advice on gifted equity was something we hadn’t heard about and this assisted us hugely to ensure repayments worked within our affordability. He provided us with a very personal service that made the journey from initial call, to mortgage offer and completion hassle free. We have already recommended Adam to someone and will continue to recommend his services in the future.”

    Saul and Laura, Home Mover Mortgage Customers from Salisbury

  • “Mike and I collected the keys to our flat this weekend and we couldn’t be happier. It’s been a long time coming but we got there! We just wanted to say a MASSIVE thank you for everything you have done for us so far. We’ve really appreciated all the help, advice and reassurance you’ve given us all the way through this process. It’s really nice to have a friendly voice on the other end of the phone.”

    Mike and Bethan, First Time Buyer Mortgage Customers from London

  • “Without question Adam found me a deal the estate agent’s broker couldn’t. He was very easy to contact whenever I needed him and he took time to explain the ins and outs of the Help to Buy equity loan scheme mortgage that he found me. I would rate him five out of five and will be back to use him when the time comes to remortgage or move.”

    Chris, Help to Buy Mortgage Customer from Southampton

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