The stricter statutes for standard mortgage lending introduced over a year ago seems to have had an effect on older borrowers. With the need to evaluate cost-effectiveness, some lenders may now be less excited regarding lending on a mortgage term that will run into the borrower’s later years. Due to this, some people are switching to equity release to help pay off the loan, should they be unable to remortgage.

Repayment Mortgages

Although the new standard mortgage lending rules may cut down loan arrangements that extend into the borrower’s retirement years, a substantial number of mortgage deals were already been in place, and these can become a problem. For instance, continuing to pay off the loan every month when retired may pose difficulties for borrowers on a reduced income. Again, equity release may serve to meet any shortfall. If you face problems with your standard mortgage loan, you’re not alone! If you want help, please contact me to see if an equity release plan could deliver the right solution for you. I am more than happy to help you.

Lifetime Mortgages

Lifetime mortgages can provide flexibility to meet your requirements. A lifetime mortgage is comparable in principle to a basic mortgage, with the main difference being that no monthly repayments need to be made. The loan, plus the monthly interest owed, will be redeemed either when you die or move into long-term care.

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Mortgages at Lifetime Mortgage Market


Lifetime Mortgages can provide flexibility to meet your requirements.

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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.


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.