All About Later Life Lending

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Mortgages for the over 50's

Age is no barrier to obtaining a mortgage

Are you over 50 and looking for property related finance?
Whether you’re seeking to release equity, move to a new home, downsize, or even upsize, navigating mortgage options later in life can feel overwhelming.

Your financial goals shouldn’t be limited – whether it’s boosting your retirement income, helping family, or finding your dream home. With flexible mortgage solutions designed for those aged 50 to 90+, you will be able to make the right move, whatever your plans.

Explore your options and find the perfect fit for your future.

The route to your dream home begins here!

Age is no barrier to obtaining a mortgage.

Whatever your age or reason for looking to raise mortgage finance you will find the right solution.

Reasons others have raised finance:- 

  • Moving home – upsizing, downsizing or personal needs.
  • Home Improvements
  • Pay off Existing Interest Only Mortgage
  • Divorce – buying out partner or buying new property.
  • Buy to Let – purchase or remortgage
  • IHT – Inheritance Tax Planning
  • Help Family members – Bank of Mum & Dad or Grand Parents. 
  • Pay off Expensive Loans or Credit Cards
  • Holiday of a Lifetime
  • Supplement retirement income 
  • Bridging Finance
Discuss your reason today.

Why Choose a Specialist Over 50s Mortgage Broker?

With over 248 mortgage products in the later-life lending market, navigating your options can feel like a full-time job. But it doesn’t have to be! Our specialists cut through the noise and do the hard work for you, ensuring you get the right mortgage for your unique needs – without the stress and confusion.

 

Why gamble with a generalist when you can work with experts who understand the ins and outs of later-life lending? Whether you’re looking to move home, release equity, or secure a better deal, we’ll guide you every step of the way, finding tailored solutions to fit your future. Plus, you can rest easy knowing our team is fully FCA-regulated and dedicated to protecting your interests.

 

To Find Out More

The Top 6 Reasons Our Clients Choose Later Life Lending

1

Improving Lifestyle

Are you struggling to make ends meet during the current cost of living crisis? Maybe you didn't keep your home as warm as you would have liked last winter! Perhaps you cut back on outings or meeting friends! If you have equity in your home, a loan that doesn't require you to make monthly payments, may help by giving you more money to spend on things you really need to make life less stressful.
2

Moving Home

Are you aware that age is no barrier to obtaining finance? Have you thought about moving? To be closer to family? Is your current home no longer suitable, maybe it's just too big or perhaps too small for your current lifestyle. Been put off because you were unsure of all the options available to you? There is no need to give up on your dreams, the perfect solution for you is out there.
3

Clearing Debt

Are you struggling to make ends meet every month because of existing debt commitments. These could be an existing mortgage, a personal loan, car payments, credit or store cards, buy-now pay later schemes. Whatever is keeping you awake at night, if you own a property there is likely to be a solution.
4

Home Improvements

These come in many guises not just upgrading your kitchen or bathroom or adding a new conservatory. Would replacement doors or windows make your home cosier? Improving insulation and or a new boiler could reduce heating costs. Perhaps reconfiguring the bathroom or adding an ensuite would help with bathing.
5

Helping Family

If you are financially secure and have equity in your home perhaps you are considering helping family. This can be in numerous ways. A gifted deposit to help the younger generation get on the property ladder. Payment of University fees. Perhaps the purchase of a holiday home that all the family could share. A gift of a car to celebrate exam results. The options are endless.
6

Reduce Inheritance Tax

When you die the value of your home, savings, investments and other assets are added together and could be subject to tax at 40% if the total value is above the current thresholds. Review this section of your financial planning by speaking to one of our specialist team


The Process is so Simple

You Explain about your current situation

You Share your dreams and aspirations

Together we Produce a Workable Solution

You Live the Life you Planned

Join our Satisfied Clients

"We updated our kitchen, now our applicances are cheaper to run"

"Our Parents were able to stay in the home they loved whilst receiving the care they needed." "Thank You.”

“We were able to upsize and now live in the home of our dreams”

"We enjoyed the holiday of a lifetime, before my husbands illness made travel impossible.”

Ready To action
Your Dreams?

Get in touch today, lets arrange a no obligation chat....coffee's on us!

The future you envisage, starts here