A message for UK homeowners aged 65–75

Your interest-only
mortgage term is ending.
Your lender wants the full balance back…

You've been told your options are limited. And right now you're facing one of the most frightening financial situations imaginable:

  • A five or six-figure sum due — just as you're approaching retirement
  • Lenders turning you away because of your age
  • The real possibility of having to sell the home you've lived in for decades
  • Wiping out your savings to repay it — leaving nothing for yourself or your family
  • Watching the retirement you worked for, and the help you wanted to give your children, disappear

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.

Or call: 0800 047 4848
✓
FCA Regulated
✓
30 Years' Experience
✓
Specialist Lifetime Mortgage Qualification
✓
No Obligation Consultation
A&S Mortgages
A situation many UK homeowners face

If this sounds familiar — you're not alone

Couple worried about their mortgage at home

The letter nobody wants to receive

Jim
"The letter came from the lender last month. They want the full balance back. I've no idea where we're going to find that kind of money."
Margaret
"We can't get a standard mortgage at our age — they've already told us no. I keep thinking, are we going to have to sell? We've been here 28 years."

This conversation is happening in living rooms across the UK right now.

The fears we hear every week

Why homeowners feel trapped — and why they're not

I

"My lender wants the full balance and I don't have it"

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.

II

"I can't afford a standard mortgage at this stage of life"

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.

III

"We'll have to sell and downsize, leave the area we love"

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.

IV

"Our children will inherit debt, not a home"

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.

V

"I couldn't find any other advisors who could help"

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.

Or call: 0800 047 4848

The conversation that changes everything

A&S Mortgage Specialist
"You don't need to sell your home. You don't need to find a standard mortgage or worry about repayments. What you need is a Lifetime Mortgage — and I can help you get one."
A&S Mortgage Specialist
"With a lifetime mortgage, you stay in your home with complete security for the rest of your life. You decide how much to pay back — from nothing at all, to as much as you're comfortable with. The choice is entirely yours."

This is the conversation we have every week. It starts with worry. It ends with a plan.

Couple smiling with their A&S mortgage advisor

“I didn't think there was a way out. There was.”

A&S Mortgage Client

The solution

You choose how it works

Your repayment options — entirely your choice

1

Pay nothing at all

Zero monthly commitment. Interest settles only when the property is eventually sold.

2

Pay interest monthly

Keep the balance steady with affordable payments. The capital never grows.

3

Pay what you're comfortable with

Flexible voluntary payments — reduce the balance at whatever pace suits you.

4

Protect your children's inheritance

Ring-fence a guaranteed percentage of your home's value for your family.

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.

Or call: 0800 047 4848
Happy couple outside their Scottish home

Home. Safe. For the rest of their lives.

Jim
"I can't believe we nearly sold up. We thought there was no option. We've lived here 32 years and now we know — this is our home. For life."
Margaret
"And we're not paying a single penny more than we're comfortable with. The worry is just... gone. I wish we'd called A&S the moment that letter arrived."

This is the outcome we work towards for every single client. Your home. Your peace of mind. For life.

30+
Years of specialist
mortgage experience
500+
Interest-only homeowners
we've helped protect
Whole
of market
Every UK lifetime mortgage
lender compared
8
Weeks from first call
to completion
Why A&S Mortgages

The qualification that makes all the difference

Specialist qualified advisors

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.

Whole of market access

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.

30 years of experience

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.

We handle everything

From your first call to completion, we manage the entire process — lender applications, paperwork, solicitor liaison. You make the decisions. We do the work.

Client stories

Homeowners who found their peace of mind

★★★★★
"Our lender wrote in January saying the full balance was due in six months. We were absolutely terrified. A&S completely changed the conversation. Within eight weeks our lifetime mortgage was in place. We're staying in our home — the home we've had for 28 years."
GH
George & Helen, 71
Stirling, Scotland
Home secured
No forced sale
★★★★★
"I was embarrassed to tell my children. I called A&S privately and they were so patient and kind. They explained everything clearly and found a solution I didn't know existed. I'm still in the home I've lived in for 30 years. I cannot thank them enough."
MD
Moira D., 68
Edinburgh, Scotland
30 years in
her home. Still there.
★★★★★
"We were told by our bank and two other advisors there was nothing they could do. A&S were the only ones with the right qualification to actually help. They found us a lifetime mortgage with inheritance protection so our children won't be left with nothing. Extraordinary."
GB
Gordon & Barbara, 73
Aberdeen, Scotland
Inheritance
protected
What happens next

Simple, clear — entirely at your pace

01

Book your free confidential consultation

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.

02

We search every available lifetime mortgage

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.

03

You receive a clear personal recommendation

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.

04

We handle everything through to completion

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.

Your questions answered

Common questions

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.

Your home is worth fighting for.
Let's make sure you keep it.

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

Call 0800 047 4848