Straightforward & Simple advice

How We Help

How we help

About Our Support

Our vision is to create an equity release and later life mortgage advice service that is straightforward and simple for our clients to access. We only employ highly trained specialist advisors to deliver clear and transparent advice to ensure you receive a bespoke, tailored solution to your needs. 

We offer qualified advice, upfront and without charge, so you understand the proposed solution before proceeding or incurring any costs. 

Our team will keep you updated and informed during the progress of the application, and we will actively manage the case to ensure it moves from application to completion in a timescale to suit your needs and circumstances.

How we help

The Process

After we have discussed your needs, we will research the market for you and provide you with a comprehensive Equity Release Report explaining: 

  • Which plan is best for you and why 
  • How it works 
  • How it meets your needs 
  • What the costs are 
  • The benefits and the risks of the plan 

If we cannot help you access funds from your home, or you decide it is not for you after all, you will not pay us a penny.  

If you decide to proceed, we will apply for you, arrange to have your home valued, and obtain a Mortgage Offer from your lender. Before you accept the Offer, we can arrange a face to face meeting with a solicitor to ensure you understand everything. 

We deal with all the case administration on your behalf and when your plan completes we charge a Fixed Arrangement Fee of £1,495. If the plan does not complete you pay us nothing. 

Use Our Online Calculator

Find out how much equity you may be able to release from your property today.

what makes us unique

Why Choose Lifetime?

We manage the process from start to finish and will be the point of contact for all involved parties. We only charge our fee if we successfully complete the application for you.

We take the time to understand your needs and circumstances and offer professional advice from our fully qualified team

We research the whole of the  market to find the right deal.

We will be transparent and let you know if equity release is not the right option for you

We will present you with written advice and be the link between you, your solicitor and your chosen provider

We will work with you and guide you through the entire process

We will stay with you until your receive your cash release

We will not charge you a fee unless we can help you release funds from your your home

We offer fully independent and FCA regulated advice

How do we do it?

Why Our Advice Is Free

Equity release can seem complicated, confusing, or a little scary, and finding someone to help you though the process is daunting.  

We worry if we are doing the right thing and if we are getting the best deal, we want to avoid the pain of feeling like we have made a mistake or could have got something better.  

At the end of the day, it comes down to trust, that is why we offer our advice upfront, in writing, and without charge to help you decide what to do before spending any money.

We are also happy for you to have your family involved in the process and attend our meetings if you wish.

What’s In It For Us?  

This approach is not entirely unselfish! It typically takes 6-8 weeks to put a new plan in place. By investing a little time at the beginning of the process and giving you advice for free, we save time and resources by only working with clients that really need us, and that will benefit from our service. 

You only pay us if your case completes

Our Completion Guarantee

We charge an Arrangement fee of £1495 which is only paid if we can complete the application for you.

We will manage the process from start to finish and be the point of contact for all involved parties.

If for any reason we cannot release the funds for you, or your situation changes part way through, or if you decided not to finish the prices…

You won’t owe us a penny.

Honest feedback


Mark ReynoldsonMark Reynoldson
10:06 07 May 24
Great service from start to finish. Very Polite at all times. Kept up to date with the process . Nothing to complain about.
Paul GreenwoodPaul Greenwood
09:09 20 Mar 24
Highly recommend , excellent service and easy to understand advice.
Paul GreenwoodPaul Greenwood
11:17 19 Mar 24
edward janszedward jansz
03:40 03 Feb 24
michael edwardsmichael edwards
10:24 10 Jan 24
Peter and all his staff got all the paperwork and information needed to complete my application, got money in bank soon after great job all many many Thanks Mike Edwards hope you have a prosperous year
Ian TurnerIan Turner
11:16 03 Oct 23
Michelle Smith was very detailed in her support of our application. The service was superb
Deirdre IsleyDeirdre Isley
14:58 26 Sep 23
Andy has assisted my application with the upmost care and professionalism. I was particularly impressed by his dedication to seeing my case to the end, including in his own personal time. He has given me good solid advice and I have felt confident with his guidance throughout.
john gregoryjohn gregory
16:26 25 Sep 23
Very good service from Michael lawyers not so good as they drag it out with paper work
Benjamin MichelBenjamin Michel
11:27 07 Sep 23
During the entire processs, my point of contact was Michelle Smith and I would most definitely highly recommend her should you wish to consider equity release.Throughout every step of the process she not only made absolutely sure that I fully understood every detail, but also that I was entirely happy with what I was entering into.A very professional lady.
Ann ComptonAnn Compton
14:05 15 Aug 23
I cannot thank Michelle enough for all the help she has given me she took all the hassle out of the process I would not hesitate to use this company again or to recommend to anyone could not fault in any way

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