Our Services

Our Services

EQUITY RELEASE

EQUITY RELEASE

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 are a wide range of Equity Release products which can provide a valuable source of income for some people.

MORTGAGES

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.

INSURANCE

As one would imagine, there are many types of Protection Policies to choose from. Finding the one that provides adequate cover and the right protection is not as easy as you may think. As Independent Mortgage and Protection Advisers’ we can help you find the one that best meets your requirements.

DISCLAIMER

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 flat fee of £499 regardless of loan size