Lifetime Mortgage – Retirement Income Mortgage

lifetime mortgage is a way of releasing a lump sum from the equity in your home. They work by securing a loan against your property and don’t have a fixed term. The loan and any interest is repaid when your home is sold, so you do not have to make any monthly repayments. How much you can borrow depends on your age and the value of your home. With a lifetime mortgage, you keep ownership of your home and can still benefit from any price increases.

The interest rate is fixed when you start and the debt builds up as compound interest over the years.

We will search the market for you to find the best rates and options for your own scenario.

To find out more – please contact us

A Retirement Interest only Mortgage is similar to a lifetime mortgage and geared towards those over 55 who are in receipt of  pension income. You only have to prove you can afford the monthly interest requirements. You make monthly payments which  reduces the effect of the interest roll up and so may mean there is more equity to pass on or pay for long term care.


Equity release may not be right for everyone. It may affect your entitlement to state benefits and it will reduce the value of your estate.

We can advise you on your options. If you’d like more information please contact us.

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