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Later Life Lending Made Simple
Need a mortgage in retirement or approaching later life?
Later life borrowing can seem like a challenging and complicated process, which is why you need regular access to expert guidance and support from people you know you can trust. If you’re over 55 and exploring how to make the most of your property wealth, later life lending could offer a flexible and safe solution. Whether you want to clear an existing mortgage, supplement your retirement income, or help your family financially, we’ll help you find the right product for your situation.
Stay in Control, Stay in Your Home
Optimus Mortgages are committed to helping you fully understand the broad range of options available, so that you can work with us to make an informed decision about the product that is most suited to your individual requirements. Be reassured that our style is to guarantee reliable retirement solutions appropriate to any individual that contacts us.
At Optimus Mortgages, we specialise in helping homeowners aged 55+ navigate lifetime mortgages, retirement interest-only (RIO) mortgages, and other later life lending options. We understand this is about more than money, it is about peace of mind, freedom, and staying in control of your future.
We can help you:
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Understand the pros and cons of lifetime mortgages and RIOs.
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Explore how equity release could support your retirement plans.
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Avoid common pitfalls and make fully informed decisions.
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Protect your estate and involve your family where appropriate.
Later life lending should feel empowering, not overwhelming. That’s why we offer clear, thoughtful guidance and never pushy sales tactics.
Whether you’re planning ahead or facing an urgent decision, click below to get your free guide and learn how to unlock the value in your home with confidence.
Take Control of Your Retirement
Later life lending is about freedom, not compromise. With the right advice, you can use your property to live the retirement you deserve, without putting your future security at risk.
Take the First Step Today
You don’t have to navigate this alone. Speak to one of our lending into later life specialists for a free, no-obligation consultation, and let’s explore your options together.
📅 Book a free consultation
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR OTHER LOANS SECURED ON IT.
EQUITY RELEASE MAY INVOLVE A HOME REVERSION PLAN OR LIFETIME MORTGAGE WHICH IS SECURED AGAINST YOUR PROPERTY. TO UNDERSTAND THE FEATURES AND RISKS ASK FOR A PERSONALISED ILLUSTRATION.
Who we deal with
At Optimus Mortgages we work with three particular groups of clients. By specialising in this way we are able to deliver a premium bespoke service to our clients. Whatever you come to us for, you can be safe in the knowledge that you will always be dealt with by fully qualified specialists who make sure that everything is clear and free from jargon. At Optimus Mortgages, financial solutions are made simple.
Our Fees
At Optimus Mortgages we believe in being competitive and transparent on fees.
For all cases, our initial consultation is free, and you will not be asked to pay a fee until we are ready to submit the application on your behalf.
A broker fee of £1,490.00 is payable in total. £495.00 is payable when you apply for a Later-Life Lending product and the remaining fee amount of £995.00 is payable on completion of the Later-Life Lending application. We will also be paid a commission from the lender / company that places a charge against / buys your home.
Our broker fee is payable once only. All future advice and any further later-life lending applications are fee-free.
There are additional services and processes that you will need to pay for, such as solicitor’s fees, the lender’s application fee and surveyor’s valuation fee and these are additional expenses of which you need to be aware.
Optimus Mortgages work for you, not the lender, or anyone else. When you pay for Later Life Lending or mortgage advice rather than using a ‘free’ service, or going direct, you can trust that everything we do is in your best interests. Your personal mortgage adviser learns everything they need to know about your circumstances, so they can find you the best rates for your situation. We could potentially save you up to tens of thousands throughout the term of your Later Life Lending plan or mortgage.
Equity Release may not be suitable for everyone.
Releasing capital from your property, will reduce the amount of inheritance that can be left and may impact the receipt of any means-tested benefits.