You've been told your options are limited. And right now you're facing one of the most frightening financial situations imaginable:
Imagine the call where this ends. Your home safe. Your children's inheritance intact. A friendly specialist who solves exactly this every week — sitting down with people just like you, over a cup of tea — and only gets paid when those worries are gone for good.
There is a solution. Most people in your situation have never been told it exists...
If your term is ending in the next 6–12 months, time matters. The sooner you speak to a specialist, the more options you have.
Over 90% of high-street lenders will not extend an interest-only mortgage at your age. This is standard policy — not a reflection of your creditworthiness. You need a specialist, not a high street bank.
A lifetime mortgage does not work like a standard mortgage. There are no mandatory monthly repayments. You pay what you want, when you want — including nothing at all.
A lifetime mortgage guarantees you the legal right to remain in your home for the rest of your life. There is no forced sale. Ever. This guarantee is protected by law and by the FCA.
Every regulated lifetime mortgage includes a No Negative Equity Guarantee. Your children will never inherit a debt larger than the value of the property. Many products also offer inheritance protection options.
That's because most can't. Lifetime mortgages require a specialist FCA qualification that very few advisors hold. Without it, they are legally unable to advise on these products.
If any of this sounds familiar — there is a solution most people in your situation have never been told about.
This is the conversation we have every week. It starts with worry. It ends with a plan.
Every week we speak to homeowners who believed there was no option left.
There always is.
A&S Mortgage Specialist
Your repayment options — entirely your choice
Ready to find out if this is the answer you've been looking for?
Free. Confidential. No obligation. We call you back within 2 hours.
This is the outcome we work towards for every single client. Your home. Your peace of mind. For life.
Or call us directly: 0800 047 4848
Our advisors hold the FCA specialist qualification. Without it, an advisor cannot legally recommend these products — which is why most brokers couldn't help you.
Only a handful of UK lenders offer lifetime mortgages. We compare every one of them, so you get the best rate and terms for your situation.
Since 1994, we've helped hundreds of homeowners navigate this exact situation. We know the worry. We know the solution. We know how to get it done.
From your first call to completion, we manage the entire process — lender applications, paperwork, solicitor liaison. You make the decisions. We do the work.
A 30-minute call with one of our specialist advisors. No pressure, no jargon, no obligation whatsoever. We listen, we explain, and we answer every question you have — in plain English.
We compare every lifetime mortgage product from every lender in the UK. There are very few lenders who offer these products — which is precisely why working with a specialist matters so much.
We present your options in plain English — exactly what each product means for your home, your finances, and what you may be able to leave for your family. No obligation to proceed.
If you choose to proceed, we manage the lender application, solicitor coordination, and settlement of your existing mortgage. Most clients complete within 6–10 weeks. You remain in your home throughout.
Yes. A regulated lifetime mortgage includes a legal guarantee of your right to remain in your property for life, or until you choose to move into long-term care. This is protected by law and by FCA regulation.
No. Every regulated lifetime mortgage includes a No Negative Equity Guarantee. Your estate will never owe more than the sale value of the property. Your children cannot inherit a debt under any circumstances.
No — repayments are entirely optional. You can pay nothing at all, pay some interest monthly, or pay as much as you like. The loan and any accumulated interest is settled only when the property is eventually sold.
Very unlikely. Most lifetime mortgages complete in 6–10 weeks. Contact us as soon as possible — we can also liaise directly with your current lender to manage the timeline.
Lifetime mortgages require a specific FCA qualification that very few advisors hold. Standard mortgage brokers are legally unable to advise on these products — which is why you may have been told there are no options.
The initial consultation is completely free, no obligation. If you proceed, we receive a fee from the lender. We are fully transparent about this before you make any decision.
A free, confidential 30-minute call with a specialist. No obligation — just clarity on your options, and a path forward you may not have known existed.
Prefer to call? 0800 047 4848 — Mon to Fri, 9am–6pm
FCA Regulated • 30 Years' Experience • Specialist Qualified • No Obligation • Completely Confidential
Tell us your name and number — a specialist will call you at your preferred time. Completely confidential, no obligation whatsoever.
100% confidential • No obligation • We call you back within 2 hours
One of our lifetime mortgage specialists will call you at your preferred time. We look forward to speaking with you.