Lifetime Mortgage Advice in Kent

Searching for a Lifetime Mortgage Specialist in Kent? Our Independent Financial Advisor (IFA), Paul Clifford, has over 18 years of experience providing financial services, including Equity Release and Lifetime Mortgages.

We are happy to meet clients across Kent including Tunbridge Wells, Cranbrook and Tenterden. To arrange a free initial discussion with a fully qualified Later Life Specialist Adviser at your home, workplace or our offices in Kent, please contact us today.

What is a Lifetime Mortgage?

A Lifetime Mortgage is a type of Equity Release. It allows you to borrow either a one-off lump sum or initial lump sum and a reserve from the equity in your home. If you’re over 55 and you have a reasonable amount of equity in your home, you could be eligible for a Lifetime Mortgage.

A Lifetime Mortgage could be an option if you’re facing a pension shortfall, need to meet an unexpected expense or want to fund your retirement, it allows you to tap into the wealth you’ve accumulated in your property without the upheaval of moving home.

As a Lifetime Mortgage is a type of loan, you will retain ownership of your home. Most Lifetime Mortgages allow the interest to be rolled up, which means the interest is added to the loan. But many of the newer schemes allow you to pay the interest if you want to.

Lifetime mortgages and home reversion plans are regulated by the Financial Conduct Authority.

How can our Lifetime Mortgage Specialists in Kent help you?

If you are thinking of taking out a Lifetime Mortgage, then it’s important to find out as much as you can about your options and weigh up the advantages and disadvantages.

As Lifetime Mortgage Advisors working in and around Kent, Clifford Osborne will help you to understand the steps involved, explain costs and talk you through your options without initial cost or obligation.

However, each individual’s circumstances need to be assessed on a standalone basis. We carry out an independent benefit assessment on your behalf at the start of the process to better understand your entitlement to benefits and check you are claiming everything to which you are entitled.

There are a wide range of products to choose from, with new and innovative products being created regularly to meet client demand and income needs. This means that whatever your equity release needs, there is likely to be a plan available.

Why choose Clifford Osborne for Lifetime Mortgage advice in Kent?

  • As Independent Financial Advisors (IFA), we are whole of market mortgage advisers and will always offer expert guidance and advise to meet your personal needs and circumstances
  • Clifford Osborne are members of:
    • The Equity Release Council (a body established to promote safe equity release products and protect consumers)
    • Society of Later Life Advisers (SOLLA)
  • We’re regulated by the Financial Conduct Authority
  • Our Lifetime Mortgage Specialists have a VoucherFor Certificate of Excellence, with hundreds of client testimonials. You can see our VouchedFor reviews here
  • We promise openness, honesty and transparency, and always offer friendly, face-to-face financial advice
  • Initial meetings are without cost or obligation with Paul Clifford Chartered Financial Planner

Learn more about us.

Free initial Lifetime Mortgage discussion

To arrange a free initial discussion regarding Lifetime Mortgages or Equity Release, please get in touch. We are happy to travel to meet you at your home or workplace in Kent, or you can visit our offices.

To understand the features and risks of an Equity Release Scheme please ask for a personalised illustration. A typical fee for Equity Release is £795.00 only payable on completion.

Paul definitely understood why we needed to top up our lifetime mortgage and he explained everything relevant to our requirements. The most important thing he has done for us was to take control of all requirements needed to achieve a satisfactory outcome.

Client, Kent

Paul helped us understand all we needed to understand regarding our pensions and annuity equity release fully and was so helpful and understanding. He also arranged everything and he was very professional in his organising all our needs.

Client, Tunbridge Wells, Kent

Paul provided fair and objective advice, helped us choose the right package and lender for our needs and being independent had no vested interest in promoting a particular company or product. He thoroughly took into account all of our requirements and explained clearly the entire process and the implications of equity release.

Client, Kent

We are reaping the benefits of the outcome arranged by Paul in reference to my private pension, which we are very happy and satisfied with. The Equity release is still ongoing but at a pace that we are happy with and we are sure that Paul is working to secure the best deal for us.

Client, in Tenterden, Kent

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    We are not tied to any financial institution and therefore offer you truly independent advice

    A free, initial no obligation review meeting can take place at our offices in Eastbourne East Sussex, at your workplace or in the comfort of your home.

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    Call 01323 403 444 or use our secure form via the button below.