Lifetime Mortgage Myth: You Can’t Get Out of It When people hear the term “lifetime mortgage”, many assume that it means just that: a mortgage that lasts for the rest of your life, with no way out. That can feel daunting—and even off-putting—especially for those who...
Getting a Mortgage While Your Business Shows a Loss: A Case Study in Lender Flexibility A limited company director was recently referred to us by one of our accountancy partners. On paper, his business had shown losses for two consecutive years. However, this wasn’t...
Lifetime Mortgage Myth: You Have to Take the Money as a Lump Sum For homeowners considering equity release, one of the most common assumptions is that all the money must be taken in one go. This is not the case. One of the most powerful features of modern Lifetime...
Retirement Mortgages That Fit Your Plans—Not Your Age We recently had an enquiry from an IFA who was referred to us by one of our existing partners. The client was in a strong financial position: a property worth £1.2 million and a pension pot of £920,000, with...
Mortgages with One Year’s Accounts: What Are Your Options? Many self-employed people and company directors worry that they will not be eligible for a mortgage unless they have at least two or three years of trading history. The reality is that it can be possible to...
Lifetime Mortgage Myth 7: You Have to Pay Tax on the Money Released A common myth about lifetime mortgages is this: “You have to pay tax on the money you release.” This misconception can put people off exploring equity release as a later life funding option,...
Let to Buy for Company Directors - A Cost Effective Approach If you’re a company director thinking about your next move, you might assume that selling your current home is the only way to fund your onward purchase. But what if there was a smarter way to do it? A way...
When Income and Tax Planning Clash with Mortgage Affordability If you’re a company director or small business owner going through a major life event—like a divorce—you may already have enough on your plate without your mortgage options adding to the stress. In this...
Using a Lifetime Mortgage to Support Family Without Jeopardising Your Future For homeowners in later life, the desire to help family—particularly during times of need—can be powerful. However, when your wealth is tied up in your home and your income is limited, it may...
Lifetime Mortgage Myth 6: It’s an Expensive Way to Borrow When people hear the term “Lifetime Mortgage,” one of the first thoughts that often comes to mind is: “It’s too expensive.” It’s a fair concern—after all, we’re talking about borrowing money against your home....
Case Study - Sole Trader to Limited Company Mortgage Second Opinion Saves the Day: From Delays to Dream Home Can you get a mortgage with just one year’s accounts? What if you've moved from being a sole trader to a limited company? If you’ve recently switched, you...
Business Protection for Small Companies Why Business Protection Isn’t Just for Big Companies When it comes to business protection, one of the most common misconceptions we hear is: “Business protection is only for large companies.” It’s easy to see why. Big firms have...
Lifetime Mortgage Myth : There Won’t Be Anything to Leave Loved Ones When people think about lifetime mortgages, one of the biggest fears we hear is: “If I take one out, I’ll have nothing left to pass on to my family.” It’s an understandable concern. But it’s also one...
How much can I borrow as a Company Director? Arranging a mortgage as a Company Director can be challenging, especially when it comes to affordability. Being a Business Owner doesn’t necessarily mean that you won’t get a mortgage. However, you may find that what you...
Can you Release Equity If You Already Have a Mortgage? One of the most common misconceptions about lifetime mortgages is that you can’t release equity if you still have a mortgage on your home. This simply isn’t true. In fact, many homeowners take out a lifetime...
What Income Is Used with One Year’s Accounts? If you’re self-employed and only have one year’s accounts, it’s natural to wonder what income lenders will use to assess your mortgage affordability. The good news is that it may be possible to secure a mortgage—even with...
Monthly Payments with Lifetime Mortgages A common myth is that you have to make monthly payments with lifetime mortgages —or let the interest roll up forever. This simply isn't true. In fact, one of the key benefits of modern Lifetime Mortgages is their flexibility....
Negative Equity and Lifetime Mortgages If you’re considering a lifetime mortgage, you’ve probably heard this one before: “It’s risky. You’ll end up owing more than your house is worth.” It’s a common concern—and understandably so. Nobody wants to leave their loved...
