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Whether you are a financial advisor, an accountant or mortgage broker, we’d love to work with you to provide your clients truly independent later life mortgage advice.
We can advise on the full range of later life lending products that are available in the UK, these include regular mortgages, retirement mortgages and equity release (lifetime mortgages and home reversion plans.
When considering the alternatives for your clients we thoroughly explore non-lending options such local authority grants and funding, family assistance, downsizing and charity funding.
Our wide-ranging experience means that we can dovetail our advice with any financial model you are working on, making the client journey seamless even with different professionals involved.
With our ongoing programme of professional development and lender engagement, we ensure that our knowledge is up to date and comprehensive. We often work with lenders to consult on and pilot new products which bring more choice and better features to older borrowers.
Our collaborative working practice between advisors means that all options are explored by specialists in their field contributing to best practice and excellent outcomes for clients.
Whether you are a financial advisor, an accountant or mortgage broker, we’d love to work with you to provide your clients truly independent later life mortgage advice.
We find that most professionals that we speak with about later life mortgage situations fall into 3 categories, these are:
Many financial advisors and accountants that we speak with do not offer advice or work closely with any referral partners in the later life lending space.
As a country, we have an aging population which brings new challenges along with new opportunities. With consumer duty in mind, to provide holistic financial advice your older clients you’ll need to have knowledge and provide direction as to what later life lending products are available in the market.
We offer a truly independent offering with a seamless advice process specifically tailored to older borrowers.
A dabbler will often be an experienced mortgage broker that does a handful of retirement mortgages per year servicing their existing client bank.
For clients aged 50 to 70 years, there is a big crossover of mortgage products that are available in the market and it’s changing all the time with regulation and innovation.
Are you confident that your client is receiving the right advice? If there is any doubt, we can provide you and your client with protection and peace of mind.
Often, mortgage brokers, financial advisors or accountants have existing later life referral partners in place.
With the consumer duty rules in mind, are you sure that your current referral partner is considering all the later life lending solutions available for your client?
Maybe your current referral partner is a ‘dabbler’ themselves or unresponsive to you and your clients calls and emails.
Also, we see a lot of referral pages or websites that just relate to the equity release products and the amount of referral commission that you can earn from sending them a deal. The FCA is very clear on the fact that many clients have decided that equity release is the answer for them before seeking advice. We ensure that those preconceptions are challenged and that all the options are fully considered.
If you would like to speak with us about any of the above or talk through a specific case, please get in touch.
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Leicestermoneyman.com & Leicestermoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 10 Consort Court, Hull, HU9 1PU.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk
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Leicestermoneyman.com & Leicestermoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 10 Consort Court, Hull, HU9 1PU.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk
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