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_Later Life Lending

Are you over 55 and exploring later life lending? We've helped 100's of clients by simplifying the process, ensuring a stress-free retirement. It all starts with a free initial consultation. 

RIO Mortgages

A Retirement Interest-Only (RIO) Mortgage is a loan for older homeowners over 55. It allows you to borrow against your home's value and only pay the interest.

 

It's suitable for retirees with a steady income who can manage ongoing interest payments. Like a standard mortgage, your income is assessed for affordability.

To speak to one of our expert advisers, book your initial consultation now!

Lifetime Mortgages

A Lifetime Mortgage is for homeowners aged 55 and over. It allows you to release some of the equity of your home as a lump sum or in smaller amounts.  

 

You don't have to make monthly repayments; instead, the loan and accrued interest are repaid from the sale of your home when you pass away or move into long-term care.

To speak to one of our expert advisers, book your initial consultation now!

Hybrid Equity Release

A Hybrid Equity Release combines features of RIO and lifetime mortgages.

 

You borrow against your home and make partial interest payments, to reduce the impact of interest compounding over time. The remainder of the interest is added to the loan and repaid from the sale of your home under similar conditions to a standard equity release mortgage. 

To speak to one of our expert advisers, book your initial consultation now!

Let's get you moving!

We'd be delighted to talk to you about how we can help make life a little easier for you. Book a 15 minute consultation for a no obligation chat.

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