Business Details
35 Years
experience
Trusted Mortgage Advisers for Retirement Solutions
Established in 1991, we are independent mortgage advisers specialising in retirement, interest-only, and lifetime mortgages. Our service prioritises ethical, client-centric advice without obligation, leveraging over three decades of expertise to tailor solutions for clients across the UK. As part of Berkley Vittoria Independent Financial Services Limited, we operate under FCA regulation (FCA No. 150186), ensuring compliance with rigorous financial standards.Our team focuses on demystifying mortgage options for older clients, offering access to exclusive products through partnerships with industry clubs and lenders. We guarantee no unsolicited follow-ups after initial consultations, respecting clients' decision-making timelines while providing transparent pricing, including one of the industry's lowest broker fees at 995.
Services
Retirement Mortgages
Lifetime Mortgages
Interest Only Mortgages
Buy to Let Mortgages
Equity Release Solutions
Details
- Year established: 1991
Highlights and features
- We have over 30 years of experience in retirement mortgage solutions
- Our team holds FCA-authorised qualifications in lifetime mortgages
- We guarantee no unsolicited follow-up communications
- We offer access to exclusive mortgage products through industry partnerships
- Our transparent 995 broker fee is among the lowest in the sector
Associations and certifications
- Financial Conduct Authority
What people say
Comprehensive advice
Transparent fees
Flexible solutions
Professional service
Helpful guidance
Services
Retirement Mortgages
Retirement Mortgages enable clients to secure property financing beyond traditional retirement age limits. These products cater to individuals aged 55+ seeking to purchase or re-mortgage properties, with lenders assessing affordability based on pension income, investments, or rental earnings. Our specialists help clients navigate options from high street banks and specialist providers, ensuring access to competitive rates without mandatory face-to-face meetings.
Lifetime Mortgages
Lifetime Mortgages allow homeowners aged 55+ to borrow against property equity without monthly repayments. Clients can choose interest-only payments, partial payments, or full roll-up options, with funds available as lump sums or drawdown facilities. Our FCA-regulated advisers ensure clients understand lifetime implications, including inheritance impacts and property ownership retention under these Financial Ombudsman Service-covered products.
Interest Only Mortgages
Interest Only Mortgages provide lifelong borrowing with monthly interest payments but no capital repayment deadlines. These Retirement Interest-Only (RIO) products suit clients seeking predictable payments, with lenders assessing affordability based on post-partner-death income scenarios. We connect clients with high street building societies offering portability across properties and penalty-free repayments after fixed-rate periods, typically 2-5 years.
Buy to Let Mortgages
Buy to Let Mortgages cater to property investors seeking rental income financing solutions. Our service arranges age-inclusive products with lenders assessing affordability based on projected rental yields rather than personal income. Clients benefit from exclusive schemes unavailable to the public, including free valuation packages and flexible terms for first-time landlords or portfolio investors across residential and HMO properties.
Equity Release Solutions
Equity Release Solutions help clients unlock property wealth for various purposes, from debt consolidation to lifestyle enhancements. Our FCA-authorised advisers explain lifetime mortgage mechanics, including interest roll-up impacts and inheritance preservation options. We facilitate access to competitive rates through industry partnerships, ensuring clients understand tax implications and retain property ownership rights throughout the loan term.
Questions
What mortgage options exist for those over retirement age?
We offer retirement mortgages, lifetime mortgages, and interest-only products with lenders accepting applications from age 55+.
Can I obtain a mortgage without face-to-face meetings?
Yes, our FCA-regulated process handles all consultations via phone and post without mandatory in-person appointments.
How do lifetime mortgage interest payments work?
Clients can choose monthly interest payments, partial payments, or full roll-up, with fixed rates applying for the loan term.
Are there penalties for early mortgage repayment?
Most products have no penalties after 2-5 year fixed-rate periods, with some schemes offering penalty-free exits from year five.
What fees apply to mortgage arrangements?
Our transparent broker fee is £995, with many schemes including free valuations and legal packages.
Can I access funds for any purpose?
Yes, clients use equity release for home improvements, family support, or lifestyle enhancements without usage restrictions.
