Advising clients since 1992…

At Lifetime Mortgages we value our hard-earned reputation for clear, fair and honest advice. We are specialised Equity Release advisers. Based in Christchurch we offer a personal service to (mainly) local people, we don’t charge you a penny if you change your mind and offer the lowest fees in the marketplace. We have access to the whole of the market making sure we obtain the best solution for your needs.

Residential Services

We offer advice on a range of services for residential properties – from mortgages to insurance, equity release and more. Contact us today to arrange your free initial consultation.

Buy to Let

If you're looking to make a business out of a property purchase, we have years of experience assisting the investment buyer. Contact us to discuss your next project.

Equity Release

Make the most of your retirement…

Equity Release products (or Lifetime Mortgages as they are also known) are designed for people over 55 to take cash value from their homes without having to move. There is a wide range of Equity Release products which can provide a valuable source of income for some people.


We built our reputation and client base by offering clear, honest advice in ‘plain English’ all types of mortgages. We take immense pride in our friendly and relaxed approach, we’ll take our time to establish your needs and goals and do our very best to come up with the best solution for your personal circumstances.


Protecting your mortgage, your family and your lifestyle…
Term Assurance
  • Most basic form of life insurance
  • Covers for a fixed period and pays out lump sum if you die
  • Additional options can be added
Family Protection
  • For those who want to leave a lump sum after death
  • Important for those with young children or dependents
  • Can be used to cover a mortgage or loan to protect family from debt
Critical Illness Cover
  • For individuals with a critical illness
  • Designed to pay out a lump sum
  • Life assurance 'bolt on' or standalone plan
PHI (permanent health insurance)
  • For employed or self-employed
  • Pays out regular income when unable to work
  • Seen as the foundation of any financial planning

What our clients say

Fantastic Service

As a first time buyer, I was unfamiliar with the process of purchasing a house. John was extremely patient with me - walking me through the whole process and securing a better rate than I had previously been offered. Fantastic service, I would recommend them to anyone.

Charlotte Freeman New Home Buyer
We’d be lost without you

I’ve been dealing with John at Lifetime Mortgages for over 20 years. He’s helped me move three times, he looks after my buy to let portfolio making sure I’m always getting the best rate available and he’s even helped my mother in law. Thanks to the LV equity release scheme he arranged She now has a small nest egg to help make her retirement years more fun. We’d be lost without him, seriously.

Steve Burrows Buy-to-let client & Equity Release client

Just wanted to drop you a note of thanks for all your help and patience with Dale’s mortgage. With all the “hurdles” we had to face through the process you were the one who remained calm and helped us get there in the end. Dale is delighted with his new home and I can assure you that you’ll be getting the call soon to help Cara do likewise. I shall pass on any friends/families that are looking for a mortgage. Thanks once again John.

Ian Jenkins Mortgage Client

Whether you are looking for information on mortgages, insurance or equity release, we offer clear, fair and honest advice. Get in touch now to arrange your FREE initial consultation.


EQUITY RELEASE: An Equity Release product will reduce the value of your estate, will not be suitable for everyone and may affect your entitlement to state benefits. 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.
John Murphy is the Principle of Lifetime Mortgages. Mortgage Search trading as LIFETIME MORTGAGES is an Appointed Representative of PRIMIS Mortgage Network which is a trading name of Personal Touch Financial Services Limited. Personal Touch Financial Services Limited is authorised and regulated by the Financial Conduct Authority.

• Debt consolidation is not always the most suitable option, consolidating debts must be carefully considered. It will usually mean more interest over a longer repayment term and there may also be early repayment penalties on your current mortgage, you should think carefully before securing other debts against your home. There are other ways to manage debt such as free debt advice charities, you can find out more by contacting the Money Advice Service, these services may be more suitable for you.
• The Financial Conduct Authority does not regulate most buy to let mortgages.
FEES: We typically charge a fee of £499 for our mortgage services, which is payable upon completion. For our Equity Release Advice we charge a flat fee of £499 regardless of loan size payable only upon successful completion.