Despite the trading style, Lifetime Mortgages don’t just deal with Equity Release. Quite the opposite, we built our reputation and client base, (people keep coming back and also refer their friends, the ultimate compliment), by offering clear, honest advice in ‘plain English’ for 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.
Please note we are not tied in with Estate agents or introducers, we act for YOU and nobody else.
Our advice is FREE. We sometimes charge for arranging mortgages (depending on your circumstances and the work involved) but we will establish terms of engagement at our meeting. We charge NO FEES upfront (with the exception of Equity Release) and even then we would only charge a fee at the end when the mortgage COMPLETES.
No deal no fee, it’s simple.
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.
MORTGAGES & DEBT CONSOLIDATION:
• YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
• 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 £299 for our mortgage services, which is payable upon completion. For our Equity Release Advice we charge a fee of up to £750 payable upfront. Our typical fee is £299.