Later Life Lending

You may have heard of Equity Release being available to the older applicant, which is true, however there are also other of ways raising funds available as you get close to or are even retired already. If you are considering moving home, need to pay off an old mortgage or simply are looking for some extra cash that is currently tied up in your property equity, we can help. 

There are the traditional styles of mortgage with monthly payments or more flexible plans where you can choose whether to make monthly payments, how much you can afford or even not pay anything at all. It’s worth a chat to see what options are available to you and what would suit you and your lifestyle the best.

What fees may be involved in Later Life Lending? 

• Legal Fees 
• Mortgage Lender Fees
• Valuation / Surveyor Fees
• Mortgage Broker Fee
• Stamp Duty - Click here to calculate how much stamp duty you might pay. 

Why should you use a mortgage broker?

By using a mortgage adviser, we can check the whole market and ensure that we find the best mortgage to meet your individual needs. Not only will you end up with the best mortgage for you, you can rest assured that your mortgage will also be managed moving forwards, with regular reviews, meaning that you never end up paying more than you need to on your mortgage. We are here for you and can answer any questions you have about Later Life Lending.

How can our mortgage advisers help you?

• We can source exclusive broker deals not available on the open market
• We have access to a wide range of lenders, not just those on the high street, ensuring that we find the right mortgage for you
• We will update your mortgage offer, if rates change in your favour
• We liaise with the lender, estate agent & solicitor to ensure that your mortgage goes through as smoothly as possible
• We are experts on the administration of mortgage applications, let us do the hard work so you don't have to
• We can arrange for a protection adviser to give you a call to discuss any Life Insurance needs you may have
• We can send a referral over to our Home Insurance provider to obtain you a competitive quote
• We can discuss your mortgage needs via Face to Face, Video, or Phone
• Appointments in York, Harrogate, Knaresborough, Leeds, Malton, Scarborough and London available

To take your first step onto the property ladder, speak to one of our advisers who will be able to discuss with you exactly how we can help you obtain your first mortgage.