Our Services
We offer an extensive choice of Later Life Lending products to suit your individual circumstances, and we recognise that one size does not fit all.
In addition, we offer a range of other services to achieve your financial objectives.
Residential Mortgages
Whether you are buying your first home, moving house, or remortgaging, expert mortgage advice can help you find a deal suited to your circumstances. With access to a wide range of lenders, you can explore competitive options and make informed decisions about your home finance.
Buy-to-Let Mortgages
For those investing in rental property, the right Buy-to-Let Mortgage is essential. Advice can help you navigate lender requirements, interest options, and affordability assessments, ensuring your property investment is structured in a way that supports your long-term financial plans.
Secured Loans
A Secured Loan allows you to borrow against the value of your property while keeping your existing mortgage in place. This can be a flexible way to raise funds for home improvements large purchases, or consolidating debts.
Bridging Finance
Bridging Finance is a short-term funding solution designed to help when timing is critical. It can assist with property purchases before your existing home sells, auction purchases, or renovation projects where quick access to funds is required.
Life Assurance
Life Assurance provides financial protection for your loved ones. In the event of your death, a policy can provide a lump sum that helps cover mortgages, household expenses, or other important financial commitments.
Health Insurance
Private Health Insurance can offer faster access to consultations, diagnostics, and treatment through private healthcare providers. Having cover in place can provide reassurance and help you access medical care without long waiting times.
Income Protection
Income Protection insurance is designed to support you financially if illness or injury prevents you from working. It typically pays a regular monthly income, helping you continue to meet essential living costs until you are able to return to work.
House Insurance
Home Insurance helps protect your property and belongings against unexpected events such as fire, theft, flooding, or accidental damage. The right cover ensures your home and everything in it is properly protected.
Wills & Power of Attorney
Planning ahead ensures your wishes are clearly recorded and your affairs can be managed if needed. Wills set out how your assets should be distributed, while a Power of Attorney allows someone you trust to make decisions on your behalf.
Retirement Mortgages
and Retirement Interest Only
Retirement Mortgages and Retirement Interest Only (RIO) mortgages are products specially designed for those aged 50 or over who may not qualify for standard mortgage products, or prefer not to be tied to a final date for paying back their mortgage.
Just like a standard mortgage a Retirement Mortgage or RIO is secured against your main residence. These mortgages do require your income to be assessed, but your income can be made up of employed or self-employed income, pensions and investment income. You will be required to make monthly payments throughout the duration of the mortgage.
Retirement Mortgages and RIO mortgages commonly offer an interest-only payment option up to 70% of your home’s value, with the capital being repaid from the future sale of your property.
Some Retirement Mortgages have a fixed term, with some providers offering terms up to age 99. Others have no end date and will be repaid when the property is sold.
What can I use Equity Release for?
Equity Release can be used in many ways, from improving your home and supporting family to supplementing retirement income or clearing existing debts. It provides flexible access to the value in your property while you continue living there.
Authorised and Regulated by the Financial Conduct Authority.
Lenders we work with
We give whole-of-market advice, ensuring that you get the best solution available.
Lifestyle Equity Release
Lifestyle House
97-99 Talbot Road
Talbot Green
CF72 8AE
Tel: 01443 222 388
Email: info@LifestyleEquityRelease.com
