Prime London property holds substantial wealth — a lifetime mortgage can put part of it to work without selling, without monthly repayments, and while keeping full ownership. Request a callback and we'll connect you with a qualified, experienced, whole-of-market later life finance adviser used to high-value cases.
Request your free callback — no pressure, no obligation. We'll pass your enquiry to the adviser, who will call you directly.
Send your enquiry and the adviser will call you for a free, no-obligation conversation — by phone, video, or at your home anywhere in central London. You'll get honest answers, including whether equity release is right for you at all.
If a lifetime mortgage suits your circumstances, the adviser searches the market and explains your options in plain English, with a personalised illustration showing exactly how the numbers work.
The adviser handles the application and works with the lender and solicitors on your behalf, keeping you informed until the money is safely in your account.
When you come to us, we don't assume you need equity release or any other product. The adviser makes a recommendation only after a thorough fact find — and that recommendation could be equity release, a Retirement Interest-Only (RIO) mortgage, another later life mortgage, or advice against borrowing at all, if that's the right advice for you.
Releasing equity reduces the value of your estate and can affect means-tested benefits, and sometimes downsizing or using savings is the better answer. If borrowing isn't in your best interests, you'll be told — clearly and without any charge.
Learn how lifetime mortgages workMulti-million-pound valuations, leasehold flats in portered blocks, short leases, listed Georgian and Victorian townhouses — prime London property brings lending nuances that most of the market never encounters. Maximum loan sizes and lender appetite vary considerably, and some of the most competitive terms for larger advances are individually underwritten and never appear on comparison sites. Whole-of-market advice matters more here, not less. The adviser can meet you at home, at a time that suits you, or talk by phone or video if you prefer.
Yes. With a lifetime mortgage you retain full ownership of your home. The loan is secured against it and is usually repaid when you (or the last surviving homeowner) die or move into long-term care.
No. Plans recommended by the adviser meet Equity Release Council standards, which include a no-negative-equity guarantee — you will never owe more than your home sells for, provided it is sold for the best price reasonably obtainable.
No monthly repayments are required. Interest is added to the loan over time. However, many modern plans let you make voluntary payments to control the balance — the adviser will show you how.
One friendly conversation is all it takes to understand your options. If equity release isn't right for you, you'll be told so honestly.
Request your free callbackImportant: A lifetime mortgage is a loan secured against your home. Equity release will reduce the value of your estate and may affect your entitlement to means-tested benefits. To understand the features and risks, ask for a personalised illustration. Think carefully before securing other debts against your home.