Later life lending, with proper care.
Borrowing in or approaching retirement works differently. We give patient, specialist advice on later life mortgages and equity release — always with your family’s long-term interests in mind.
Specialist advice for borrowing later in life
From retirement interest-only (RIO) mortgages to lifetime mortgages and equity release, there are more options than ever for the over-55s. They’re also some of the biggest decisions you’ll make — so we take them slowly and clearly, and we’re happy to include your family.
- Retirement interest-only and lifetime mortgages
- Equity release to supplement retirement income
- Advice on the impact on inheritance and benefits
- Time to involve loved ones in the decision
Equity release will reduce the value of your estate and may affect your entitlement to means-tested benefits. A lifetime mortgage is a loan secured against your home. Ask for a personalised illustration showing the features and risks.
What’s included
Retirement interest-only
Pay only the interest each month, designed for retirement income.
Lifetime mortgages
Release tax-free cash with no required monthly payments.
Family included
We welcome your loved ones into the conversation.
Inheritance aware
Clear advice on how borrowing affects what you leave behind.
Common questions
What is equity release?
Will I still own my home?
Is equity release right for me?
Ready to make it smooth?
Free initial advice, whole-of-market choice, and a team that stays with you long after completion.