Call Anytime +44 7973 311468





    Home ownership NOT affected!

    CONTINUE living in your home!

    “Thousands of homeowners are helped to make flexible use of their property assets to tackle a host of financial challenges, not just on their own behalf but also on behalf of family members.” – David Burrowes, chairman of the Equity Release Council

    How Equity Release can help you:

    NOW

    - Clear an expiring interest - only mortgage- Repay a long-standing debt- Pay for house alterations-Help fund moving to a more suitable property

    IN THE FUTURE

    - Finance long term care- Plan for Inheritance Tax- Help loved ones get on the property ladder - Pay for that cruise or trip of a lifetime

    Contact us Call Anytime on +44 7973 311468

    WHAT WE DO… WHO WE ARE

    Are you aged 55+ … and concerned or confused about your financial security?

    At Latelife Mortgages – we make Equity Release
    CLEAR and EASY to UNDERSTAND! We ALWAYS put your NEEDS first

    Why use Late life Mortgages?

    What We Do...

    • We LISTEN to YOU and YOUR individual needs
    • Offer PRECISE and RELEVANT ADVICE
    • Give GUIDANCE and SUPPORT from first enquiry
    • We ALWAYS put your NEEDS first

    Who We Are...

    • Latelife Mortgages has:

      • Over 30 years experience in providing specialist financial advice
      • Up to the minute knowledge of current financial trends and insight into future market direction
      • Strict adherence and statutory compliance to latest regulations

    The RIGHT knowledge – We are independent whole of market advisers – so you get the correct independent advice

    We are in full compliance with FCA Consumer Duty which means we put your needs FIRST

    Late Life Mortgages is part of Hertslife Limited Mortgage Brokerage Company, which is authorised and regulated by the Financial Conduct Authority.
    Contact us Call Anytime on +44 7973 311468

    Why Equity Release?

    Equity Release allows homeowners to access some of the value of their property without having to sell it, providing financial support in retirement
    The total equity release lending in 2022 surpassed £5.58 billion, with over 52,000 new plans taken out. This was an all-time high, driven by increased consumer awareness – Equity Release Council 2023 Annual Review – Equity Release Council.

    EquityTransformed – for a new reality

    Once upon a time...

    • Limited options
    • High interest rates
    • Confusing jargon
    • Unfair rules
    • Potential negative equity

    Now happy ever after...

    • Real choices
    • Flexible | fixed rates
    • Easy to understand
    • Reasonable terms
    • No negative equity guarantee!

    Equity Release compliance – protects you today, tomorrow and the day after!

    What you need to know… 

    • Equity Release is regulated by the Financial Conduct Authority (FCA)
    • We are in full compliance with FCA Consumer Duty

    Have all relevant FCA qualifications to give advice & Comply with all regulations concerning product recommendations and information

     

    Under FCA regulations, financial advisors or Equity Release products MUST:

    • Be authorised by the FCA
    • Have a relevant Equity Release qualification to give advice
    • Comply with all regulations concerning product recommendations and information
    • Ensure a product / and or plan is appropriate to your needs and circumstances
    • Put your needs first!
    Contact us Call Anytime on +44 7973 311468

    Testimonials

    I have had dealings with Garth Bernard very recently and in the past. I have found him very helpful and a man that keeps his word, something to cherish these days. His advice in relation to equity release was invaluable. I would highly recommend him to any of my friends and relatives.
    - Brian Turner
    I would recommend Garth to anyone. I have always found his services to be invaluable. He always goes that extra mile to ensure he finds the absolute best for us. Me and my family can not recommend him enough.
    -Mathew Vandermotten
    I have recently received advice from Garth Barnard regarding a buy to let mortgage. I found Garth to be extremely professional and knowledgeable throughout the process identifying the most appropriate mortgage for my needs and financial situation. I would highly recommend Garth for mortgage advice services and would most definitely seek his advice in the future.
    - Alison Pearson
    Contact us Call Anytime on +44 7973 311468

    Blogs

    Equity Release for Over 65s: Is It the Right Choice for You?

    As we age, financial needs evolve. For many retirees in the UK, living comfortably on a fixed income can be challenging, especially with rising living costs. One option that has gained popularity among those over 65 is equity release. But is it the right choice for you? This blog will explore the basics of equity release, its benefits, potential downsides, and how it might fit into your retirement plan.

    How to Maximise Your Retirement Income with Equity Release

    Retirement is a time to enjoy the fruits of your labour, but it can also bring financial challenges. For many retirees in the UK, finding ways to supplement their income is essential to maintaining a comfortable lifestyle. Equity release has become a popular solution, allowing homeowners over 65 to access the value tied up in their property. In this blog, we’ll explore how you can maximise your retirement income through equity release, tailored to your needs.

    Mortgages vs. Equity Release: Which Is Better for UK Retirees?

    As retirees in the UK face the challenge of managing their finances during retirement, two options often come to the forefront: Retirement interest only mortgages( RIO) and equity release. Both of these financial solutions can provide retirees with the funds they need to enjoy their later years, but which one is better? In this blog, we’ll explore the pros and cons of each option to help you make an informed decision.