Later Life Finance
Discover Your Financial Freedom
“I cannot recommend them highly enough.
Their service goes above and beyond. Very happy customers!”
Mortgage Expertise You Can Rely On
Imagine a range of mortgage options built for your lifestyle in retirement. These mortgages are a reality!
Free yourself from the constraints of conventional mortgages and discover flexible solutions designed for you.
We work with you to design your dream retirement in the home you love.
Navigate all your mortgage options in confidence with Later Life Finance. We’re an FCA authorised mortgage broker for your peace of mind and protection.
Book a free review today & discover a wealth of options!
Design Your Dream Retirement

1. Your Goals & Aspirations
Discuss your current and future priorities with a qualified mortgage expert.
We help design your ideal retirement with the benefit of financial peace of mind.

2. Research
As an independent mortgage broker we source the most suitable solution for your circumstances.
Compare all options to ensure your best interests are foremost for your peace of mind.

3. Application Process
Your dedicated adviser will personally manage your application to completion and provide ongoing care, support and guidance.
We're with you each step of the way and beyond. You're not alone with Later Life Finance!

4. Completion
The process to completion takes between 4-8 weeks, depending on your requirements.
Your money is paid and you can continue to enjoy your life in financial security!
"We can't thank you enough for everything you have done, we are going to celebrate with a glass of wine in OUR garden tonight"
Explore The Full Range Of Mortgage Options Available
LIFETIME MORTGAGES
Discover the flexible range of lifetime mortgages available
INTEREST ONLY LIFETIME MORTGAGES
Equity release mortgages to suit your needs with flexible terms
RETIREMENT INTEREST ONLY MORTGAGES
RIO Mortgages to help raise the level of borrowing you need
DRAWDOWN LIFETIME MORTGAGES
Drawdown lifetime mortgages to provide flexibility for the years to come
Lifetime mortgages
Discover the flexible range of lifetime mortgages available
Interest only lifetime mortgages
Equity release mortgages to suit your needs with flexible terms
Drawdown Lifetime Mortgages
Drawdown lifetime mortgages to provide flexibility for the years to come
Retirement Interest Only Mortgages
RIO Mortgages to help raise the level of borrowing you need
EXCELLENT Based on 29 reviews Posted on Google Fiona PalmerTrustindex verifies that the original source of the review is Google. Thank you Later Life Finance and Andy English. I received a very professional, caring, supportive service from you. You listened carefully to my requirements acted in MY interests, guided me through the whole process of obtaining a Lifetime Mortgage. You liaised with my Solicitor, the mortgage company & Surveyor. You made the whole process smooth and stress free. In this day of advanced technology, increased scammer activity I felt I could trust your advice & guidance in obtaining the very best outcome for my situation. Thank you once again.Posted on Google mark whiteTrustindex verifies that the original source of the review is Google. First class service from Andrew English from the start of my enquiry through to completion.Sound advice,informative and helpful throughout the procedure.Contract completed in a much shorter period than I had anticipated .Would highly recommend his services for any parties looking to arrange equity release or similar.Many thanks,MarkPosted on Google Rob TheRelicTrustindex verifies that the original source of the review is Google. My adviser, Andy English, did a great job of reviewing my current circumstances, objectives and the options available to me to achieve them. He presented a number of options, highlighting the pros and cons of each, allowing me to make a decision I was confident would suit my needs. Highly recommended.Posted on Google susan wilsomTrustindex verifies that the original source of the review is Google. I can’t recommend Paul and Later Life Finance highly enough. He gave me sound unbiased advice, dealt with my application quickly and professionally and made the whole process pain free… first class service!Posted on Google Leah AndersonTrustindex verifies that the original source of the review is Google. We have been delighted with the Service from Later Life - from start to finish we dealt with Andy English. He listened to our situation & tailored our Equity Release package to ensure it met with our needs. We feel confident that this will change our lives & give us freedom in our retirement. Later Life are definitely a great choice we recommend them to everyone looking for Equity Release, they have provided us with excellent advice & they are very easy to speak to.Posted on Google Keren SpinkTrustindex verifies that the original source of the review is Google. Excellent advice from Paul. Supported us throughout the process enabling us get the best outcome for us. Highly recommended xPosted on Google Deb PhillipsTrustindex verifies that the original source of the review is Google. Brilliant service. Recommend Paul highly.Posted on Google Shaun HoltTrustindex verifies that the original source of the review is Google. Michael has been an absolute legend in helping us remortgage . Nothing was too much trouble , thorough , professional and considered our needs and expectations at every point in the process . We have asked for help from multiple brokers and hands down Michael has been fantastic. We both highly recommend at least having a conversation with him and the rest will be history . There’s a reason Later LifeFinance has won awards !Posted on Google tracey davisTrustindex verifies that the original source of the review is Google. My experience with Later Life Insurance was excellent. My case was dealt with patience and without pressure. When 'shopping around', the stress and pressure from other companies was overwhelming and highly intrusive. Paul Murphy, my case worker was thorough and understanding of the difficultly of the decision that one has to make. I can't praise him enough and I highly recommend him. T. Davis, West WalesPosted on Google Christina ParfittTrustindex verifies that the original source of the review is Google. We found the whole process of obtaining our Equity Release with Later Life Finance so easy, thanks to Mike Filewood. We were kept in the loop at all stages of the process, and quite frankly found the whole affair completely stress free. I would certainly advise anyone thinking of doing the same with regards to their property, using Mike and the team sorting and finalising the transaction. Definitely 100 per cent listening to their client and dealing with all situations that may arise with great care and respect. We are thankful and grateful to everyone who dealt with us.Verified by TrustindexTrustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more
"Helpful, committed and really just very exceptional. Financial services with a human face.
Thoroughly recommend"