Later Life Mortgages
Helping you unlock the value in your home or secure a mortgage in retirement. Specialist advice for the over 55s.
Later Life ConsultationYour Home, Your Future
Borrowing in later life requires careful consideration. Whether you're looking to release equity for a more comfortable retirement, help your children with a deposit, or simply move to a more suitable home, we provide expert, independent advice on the full range of later life lending products.
Retirement Interest-Only (RIO)
Pay only the interest each month, with the loan repaid when you pass away or move into care.
Equity Release
Unlock a tax-free lump sum or regular income from your home's value without monthly payments.
Borrowing in Later Life
We guide you through the options for releasing equity or borrowing into retirement.
Consultation
We discuss your goals and whether a RIO mortgage or Equity Release is better for you.
Family Discussion
We encourage involving your family to ensure everyone understands the long-term impact.
Legal Advice
Specialist solicitors ensure you fully understand the terms of your later life loan.
Completion
The funds are released to you as a lump sum, a regular income, or to clear your mortgage.