Begin your mortgage journey with us
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As the UK’s leading mortgage intermediary brand, we have won over 200 national awards for the quality of our advice and service. With an extensive network of over 2,000 advisers across the UK, we offer expert mortgage advice on a local, regional, and national level. Our mission is to provide personalised consultations both face-to-face and over the phone.
Our expert advisers are here to help with any questions you may have.
Get in touch today and start your later life journey with us.
Things to consider
You should always think carefully before securing a loan against your property.
If you take out a lifetime mortgage, it will reduce the value of your estate and may affect your entitlement to means-tested benefits.
Clearing an existing mortgage with a lifetime mortgage may result in higher cost of borrowing.
Mortgage Advice Bureau charges a fee for later life mortgage advice. The fee is up to £995.
We’re here to make achieving your later life goals a reality
We focus on what matters most to you, whether it's paying off your current mortgage, supporting your family, or living your dream lifestyle. We're here to guide you every step of the way!
Starting your journey
When choosing a mortgage in later life, it's important to compare all the different options available to you and find one that aligns best with your circumstances and goals. Ask yourself:
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- Can you comfortably manage your monthly repayments?
- Does your credit score play a role in the decision making process?
- Are you seeking guaranteed homeownership?
- Can you comfortably manage your monthly repayments?
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Considering these questions, alongside current interest rates, is key to making the right choice for you. We're here to break it down for you and find the right mortgage for your situation.
Standard residential mortgage
If you have a steady income that can cover the repayments, you might be eligible for a standard residential mortgage.
You can choose between two repayment options: capital repayments or interest-only repayments.
Your home may be repossessed if you cannot keep up with repayments.
Retirement interest-only mortgage (RIO)
A retirement interest-only (RIO) mortgage is a loan secured against your home.
You have to pay the interest off monthly, but the full amount of the loan isn't usually repaid until you pass away or move out of the home into long-term care.
Your home may be repossessed if you cannot keep up with repayments.
Lifetime mortgage
A lifetime mortgage is a loan secured against your home. There’s no need to make monthly payments, unless you choose to. The amount borrowed and the added interest typically aren't repaid until you pass away or move out of the home into long-term care.
This product will reduce the value of your estate and may affect your entitlement to means tested benefits.
Ready to speak to an adviser?
How does it work?
It’s simple really.
1. Fill out the form
Pop your details into the form.
2. We’ll give you a call
Have a chat with a member of our team.
3. Relax
We’ll take it from here.