Bob Ducker At Lifetime Mortgage Market, Equity Release and Purchase

About Bob Ducker

My name is Bob Ducker and I would be pleased if you would consider me your personal independent Equity Release/Lifetime Mortgage broker. I have over 40 years Financial services experience. As I am a member of the Equity Release Council I have access to exclusive deals, free valuations, free Lenders fees and enhanced terms. I offer a bespoke personal face to face service. At Lifetime Mortgage Market we are ‘Whole of Market’ independent brokers with access to the entire Equity Release/Lifetime mortgage market.

You are looking at Equity Release Lifetime Mortgages, then you need a friendly, professional experienced qualified advisor I have the Qualifications CeFA, CeMAP and CeRER, and these stand for: CeFA – Chartered Insurance Institutes Financial Planning Certificate, CeMAP – Chartered Institute of Bankers Certificate in Mortgage Advice and Practice, CeRER – Institute of Financial Services Certificate in Regulated Equity Release plus 40 years Financial Services experience so you can be assured of my experience and expertise. I am an Elite member of the AIR Answers in Retirement Club and this means I have access to special Valuation and Lender FEE deals.

Contact Me

When you contact me by phone or email me I will telephone you for an initial friendly chat, I will then ascertain your needs and wants and answer any questions you may have. I will ensure at that stage you qualify for Equity Release and discuss how it could work for you. I will then conduct a FREE no obligation consultation to complete a full analysis of your situation, I will also check how it may affect any State benefits and then tailor my advice to your specific needs.

Full Explanation

I will also provide you with a full explanation of how Mortgage Marketplace gets paid and I will fully explain all the rates, fee’s and charges before you make any decisions.

Research

I will then research the lifetime mortgage market and source the deals that match your requirements and present them to you to make an ‘advised’ decision and then I complete the required documentation for you. Usual timescale are 4-8 weeks from application to funds in your account. So if you want to clear that Interest Only Mortgage, new car, holiday, home improvements, reduce outgoings, enhance retirement income or help your children get on the property ladder. Our fees are very competitive. We are an independent broker. So please give me a call. I live in Ferndown and have hundreds of satisfied clients.

Terms and Conditions

Our charges are based the loan amount and the complexity of your individual circumstances. We will provide you with a free initial consultation and we will always explain what you will be charged before you decide to proceed with an application. We offer a bespoke service and our fees can vary. Our usual set fee is only paid on completion and is £995.00. If your circumstances are more complex, we may charge a higher fee. Our maximum fee is 1% of the loan value.

These fees apply to regulated mortgages. Certain mortgages, primarily most buy to let and commercial mortgages, are not regulated. Fees for non-regulated mortgages can vary depending on your requirements and circumstances.

Wills, IHT, Trusts, Power of Attorney and Funeral Plans are not regulated by the Financial Conduct Authority.

This is a lifetime mortgage. To understand the features and risks, please ask for a personalised illustration. Check that this mortgage will meet your needs if you want to move or sell your home or you want your family to inherit it. If you are in any doubt, seek independent advice. Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage. Lifetime Mortgage Market is a trading style of One Stop 4 Equity Release Ltd which authorised and regulated by the Financial Conduct Authority. FCA No 952887 One Stop 4 Equity Release Ltd is a registered company in England and Wales with Company Registration Number 13452621. Registered Office: The Stable Yard, Vicarage Road, Stony Stratford, Milton Keynes, MK11 1BN.

We also confirm that any advice required outside of Equity Release Lifetime and Retirement mortgages will be referred to our authorised specialists.

Legal

The Financial Conduct Authority does not regulate some investment mortgage contracts. Calls may be recorded for training and compliance purposes.

This is a Lifetime mortgage, to understand the features and risks, ask for a personalised illustration.

Under no circumstances should any of the information contained within this website be construed as "advice". You should seek professional advice in respect of your own circumstances.

The information contained in this website is subject to UK regulatory regime and is therefore intended for consumers based in the UK.