If you are over 55 and looking for a way to release the value in your home, equity release and lifetime mortgage could be the answer for you. Let our mortgage experts find the best solution for you.
You'll save time.
Lifetime mortgages come in many forms, so choosing the right one can be challenging. Choose the best lifetime mortgage option for you with the help of an equity release advisor.
You could save money
A lifetime mortgage advisor can negotiate with lenders on your behalf to get you the best possible deal. This could save you a significant amount of money over the lifetime of your mortgage.
Who we can help
Lifetime mortgages or equity release mortgage are available to homeowners aged 55 or over. Book today for a fee free consultation. We’ll be happy to answer any of your questions and help you get started.
Expert advice in 3 easy steps
Book a fee free call
Getting a lifetime mortgage consultation takes just 30 seconds. Book your free free chat today to get started.
We'll call you back
During our initial call, we will learn more about you and your financial goals and discuss the options available to you.
And guide you through
Our friendly, knowledgeable mortgage advisor will assist you every step of the way through a sound financial plan.
Monday – Friday available from 8am – 8pm
We do weekends too
Saturday – Sunday from 8am – 4pm
In your home, over the phone or via video chat
What our clients think about us
Alistair is very patient and took the time to explain in simple terms the legal jargon with Pensions
Answered every question in an understandable way and always on the other end of the phone When l wanted to ask him advice
I found Tony to be very helpful readily available. He explained everything in a clear and understandable manner.
Really happy with the serviced provided by Alistair Norton of GHL Direct. Friendly yet professional, he explained everything clearly and concisely. I would not hesistate to recommend.
Getting a lifetime mortgage can be overwhelming. It's difficult to determine your needs and how much money you should borrow, and it's hard to decide on the best plan for you and your family.
Making the wrong decision can lead to costly mistakes that you’ll have to pay for later in life. These mistakes can leave you without enough money when you need it the most, taking away the security that a lifetime mortgage should provide.
Let us help you make the right choice. Our experienced team will guide you every step of the way, making sure your lifetime mortgage is tailored to fit your exact needs. With our expertise and knowledge, you can move forward confidently with a plan that’s built around your needs.
Lifetime mortgage advice from 8am – 8pm.
Get exclusive deals with lenders, not otherwise available.
QUALITY OF SERVICE
QUALITY OF ADVICE
VALUE FOR MONEY
Here's what we offer
If you would like to find out if transferring or cashing in your pension is suitable for you, we can provide a free consultation.
Equity release key points
You must be over the age of 55 to qualify for a lifetime mortgage
The amount of money you can borrow will depend on your age, the value of your home, and your health
You will not have to make monthly repayments on a lifetime mortgage, but interest will continue to accrue on the loan
You will need to pay a fee to take out a lifetime mortgage
There are no early repayment charges on a lifetime mortgage
A lifetime mortgage is a type of loan that allows you to release equity from your home without having to make monthly repayments. The loan is secured against your property, and it is usually repaid when you die or move into long-term care.
Who can get a lifetime mortgage?
You must be over the age of 55 to qualify for a lifetime mortgage. You will also need to have a good credit history and be a homeowner.
How much can I borrow with a lifetime mortgage?
The amount you can borrow will depend on your age, the value of your home, and your health. You can borrow up to 50% of the value of your home, but this may be lower depending on your circumstances.
What are the repayment terms on a lifetime mortgage?
There are no monthly repayments on a lifetime mortgage. The interest on the loan is rolled up each year, and this is added to the amount you owe. The loan is usually repaid when you die or move into long-term care.
What are the risks of a lifetime mortgage?
There are a number of risks associated with lifetime mortgages, including:
The interest on the loan can be expensive, so it is important to factor this into your decision-making.
If you are unable to repay the loan when you die, your heirs may have to sell your home to cover the debt.
Lifetime mortgages can reduce the amount of inheritance that your heirs receive.
It is important to understand all of the risks involved before you take out a lifetime mortgage.
What are the benefits of a lifetime mortgage?
There are also a number of benefits to lifetime mortgages, including:
You can access the equity in your home without having to sell it.
You can use the money for whatever you want, such as holidays, home improvements, or to supplement your income.
You can keep living in your home for as long as you want.
There are no early repayment charges on a lifetime mortgage.
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