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A lifetime mortgage is a form of equity release scheme whereby a loan is secured against your property, providing you with a tax-free cash lump sum or a regular income to spend as you wish.
Interest is added to the lifetime mortgage loan throughout your lifetime, accruing at a fixed or variable rate. The loan plus interest is eventually paid back when the home is sold which could be when you move into long term care, or when you and your partner die. Subject to your age you can typically release between 18-50% of the value of your home with a lifetime mortgage.
Please note: You can get interest only lifetime mortgages wherein you pay interest monthly, but lifetime mortgages are mainly offered as 'rolled up' interest. 'Rolled up' interest is paid off all-together in one final payment along with the total amount of your loan when your property is sold, as described above.
A LIFETIME MORTGAGE CAN QUICKLY ERODE THE REMAINING EQUITY AND AS A RESULT THERE MAY BE NO VALUE LEFT TO PASS ON.
THIS IS A LIFETIME MORTGAGE. TO UNDERSTAND THE FEATURES AND RISKS, ASK FOR A PERSONALISED ILLUSTRATION.
THE GUIDANCE PROVIDED WITHIN THIS WEBSITE IS SUBJECT TO THE UK REGULATORY REGIME AND IS THEREFORE PRIMARILY TARGETED AT CONSUMERS BASED IN THE UK.
ALTERNATIVE ESTATES & FINANCIAL LTD IS AN APPOINTED REPRESENTATIVE OF TENETCONNECT LTD WHICH IS AUTHORISED AND REGULATED BY THE FINANCIAL CONDUCT AUTHORITY. TENETCONNECT LTD IS ENTERED ON THE FINANCIAL SERVICES REGISTER (www.fca.org.uk/register) UNDER REFERENCE 149826.
REGISTERED IN ENGLAND AND WALES UNDER REFERENCE 02460707
REGISTERED OFFICE ADDRESS: AS COMPANY ADDRESS
Thanks so much for your persistence and patience with our house sale – we finally moved.
Wishing you all the best for the future.
Many Thanks for your expertise but especially your patience in helping me to sell Park Road
Dear Nick
Just a huge thank you for all what you have done for John and I, we wouldn’t have done it without
your help. Sorry if Ive nagged you at all but there again I am a nagger ask Candi. If you’re every up
In Skeggy you will have to pop in. Once again Thank You very much for all your hard work.
Nick & Staff
Thanks for all the support, help, professionalism and good humour (and the cups of coffee!)
To Everyone at Alternative Estates
Thank you very much for all your help in selling my house, you stayed with me, gave me no hassle
and advertised. Cant thank you enough!
To Nick & Staff Alternative Estates
Just a small token of appreciate from Lilah, Son-in-Law Bill, Daughter Valerie and her Grandson Gary
For your services regarding Lonscale Drive
Dear Nick
Thanks for your help in selling my Sisters home. We appreciate all you have done for us. Also
Thank Carla and All the other girls who have been very kind to us.
John Maher & Staff
Thanking you for all your support over the years
Best regards Kenton & Carol
To All at Alternative Estates
Thank you for dealing with sale of Mums house in Johnson Road. It took a while but we got there
In the end thro your efforts
To All at Alternative
Thank you for all of your help and support selling our Flat, and for making it as stress free as possible.
Thanks Nick for all your help and support. Couldn’t have done it without you.
TO Carla, Nick & Everyone at Alternative Estates
Thank you all for your excellent service and diligent attention in the purchase of my Flat :)
Thank you All very much for your help. We got there in the end.
Thank you Nick
Thank you once again for the professional advice and assistance in dealing with Tenancy agreements. I’m sure I’ll be calling you again in the future for more help & assistance, so for now
Good luck for the future and look forward to meeting up with you and your staff again.
With grateful thanks for your kind help! Its much appreciated, Enjoy the Chocs!!
Dear Sue, Carla and all the Team at Alternative Estates
Many thanks for selling Ferndale Road, it’s a great relief to know its finally sold, yours faithfully
Thank You So Much
For all your help and support
To Nick & Alternative Estates
Thanks for helping us buy our first home! Sorry for all the questions, most certainly recommend you
To everyone.
Dear Nick
We would like to thank you for all your helpful advice which guided us throughout the purchase
of our first family home! We wish you all the best both professionally and personally. Thank
you again for everything!
To Nick
We’ve had withdrawal symptoms! Thank you so much for your advice, patience, humour and time whilst we have bought our first house. We’ve really appreciated everything you have done for us.
To Nick & Team
Thank you for your help
Dear Annette
Thank you
Joanna & Nick
Thank you both so very much for all that you have done for me, and the very quick sale of my home
Dear Nick
A long time coming…. Finally completed, all two weeks before Christmas and with Natalies help,
sorted for New Year. I am sending you my “grateful” thanks for all the help you gave and in
pointing us in the right direct (hopefully). Do hope you had a nice Christmas and wish you and
The Family a very Happy, Healthy and successful New Year. Od Bless again and my grateful
Dear Joanna
Thank you so much for all the hard work you put in to selling my house. I really appreciate it.
Will you also say thanks to Annette & Sue for their work as well. I feel really relaxed now,
And can start looking for a house to buy. (I now know which certificate to ask for Ha Ha)
A big thanks once again!
Nick, Sue and All Staff
Thank you all for your help in selling my house – you’re all great
To Alternative Estates (especially Annette)
Thank you for all your help and for dealing with all matters so promptly during my time at
Chaceley Close
Thank You - For all your hard work and encouragement
To Joanna
You’re so kind, Kindest regards
Dear Nick
Thanks so much for all your help, much appreciated.
To Nick, Joanna and all at Alternative Estates
‘Thank you’ for everything that you have done in organising the sale of Mum’s bungalow in Beaufort Drive.
To Annette
Thank you for all your help with our new home. I think the boys & I are going to be very happy here.
To Sue, John and Carla,
Thank you for your help and for getting ‘results’ !
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CONTACT US
Alternative Estates & Financial Services Ltd
7 New Union Street
Coventry
West Midlands
CV1 2HN
T: 0247 655 1919
F: 0247 655 1278
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