Later Life Lending
Specialist later-life lending advice for homeowners.
Your home may be repossessed if you do not keep up repayments on your mortgage or loans secured against your property.
Later life lending and equity release can offer homeowners the opportunity to access the value built up in their property. The UK Adviser Group provides specialist, regulated advice to help you understand whether these options are suitable for your circumstances.
A lifetime mortgage is a loan secured against your home. It will reduce the value of your estate and may affect your entitlement to means-tested benefits. Specialist advice is required.
Your home may be repossessed if you do not keep up repayments on your mortgage or loans secured against your property.
Why speak to us
- Direct access to 90+ lenders
- Personal adviser-led support
- Clear, professional guidance
- No obligation initial discussion
How we can help
Lifetime mortgages
Understand how lifetime mortgages work, including interest roll-up options and voluntary repayment features.
Lump sum release
Explore releasing a lump sum from your property to support retirement plans, home improvements or family gifting.
Drawdown facilities
Access equity in stages as and when needed, potentially reducing interest costs compared to full lump sum release.
Home reversion plans
Understand the option of selling a share of your property in exchange for a tax-free lump sum or regular income.
Inheritance protection
Options to ring-fence a proportion of your property value for beneficiaries through inheritance protection guarantees.
Later-life lending
Broader later-life lending options including retirement interest-only mortgages for eligible homeowners.
Proud to be a member of the Equity Release Council
The Equity Release Council is the industry body for the equity release market in the UK. As a member, The UK Adviser Group adheres to the Council's strict code of conduct and standards of practice, ensuring that all later-life lending advice we provide is delivered with transparency, fairness and the protection of the homeowner at its core.
Membership means our clients benefit from the Council's key guarantees, including the right to remain in their home for life, the freedom to move property subject to lender criteria, and the assurance that all advice is given by suitably qualified, regulated advisers.
- No negative equity guarantee
- Fixed, capped or known interest rates
- Right to remain in your home for life
- Advice from qualified, regulated advisers
A clear, structured process
From first conversation to completion, we keep things straightforward.
Step 01
Initial consultation
We discuss your circumstances, goals and timeline in a no-obligation conversation.
Frequently asked questions
Common questions about how our mortgage advice process works.
Explore your options
Complete the form below and one of our advisers will be in touch to discuss your requirements. All advice is subject to status and lender criteria.
Not sure which route is right for you?
Speak to one of our advisers for clear, no-obligation guidance tailored to your circumstances.
Speak to an Adviser