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A lifetime mortgage in Essex is a popular choice for those aged 55 and older who want to unlock their property’s value while continuing to live there.
This type of equity release product offers tax-free funds to support your financial goals, whether that’s travelling, improving your home, or providing for family.
With a lifetime mortgage, you’ll retain full ownership of your home, and they are available on both freehold and leasehold properties.
Our mortgage advisors in Essex will help you explore your options and make an informed decision.
Lifetime mortgages are typically available in two forms for those aged 55 and over. Lump sum lifetime mortgages provide a single payment for significant costs, while drawdown lifetime mortgages allow funds to be accessed gradually over time.
As a trusted mortgage broker in Essex, we often recommend lifetime mortgages for situations like:
Through our lifetime mortgage advice in Essex, we often help older borrowers who use these products to purchase a property. Common reasons include:
When a lifetime mortgage isn’t the most suitable fit, we’ll recommend alternative mortgage products for the over-50s in Essex that align with your goals.
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The fee is up to 1% but a typical fee is £995.
You should always think carefully before securing a loan against your property.
A lifetime mortgage will reduce the value of your estate and may affect your entitlement to means tested benefits.
Clearing existing mortgage with a lifetime mortgage may result in higher cost of borrowing.
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186 5 Star Reviews
Julie Brake
We would have given them 20 stars. Both Warren & Lizzi have worked so hard on our behalf, in what has not been the smoothest of circumstances. They have been so professional and kept us updated. Would thoroughly recommend this company. With grateful thanks in getting us our mortgage.
12 May 2026
Abdul khaliq Mayar
I would highly recommend UK Money Man, especially Matthew Collinson and Paula. They have done an amazing job for me from start to finish. My previous mortgage broker got my application declined through TMW, and I was very stressed and worried. When I came to UK Money Man, they completely changed the game for me. Matthew was always helpful, professional, and kept me updated at every stage — even on his day off. That level of service really meant a lot to me. Paula was also fantastic and worked hard on my application. Thanks to their hard work and support, my mortgage was approved. I truly appreciate everything they have done for me and my family. I would definitely recommend Matthew, Paula, and UK Money Man to anyone looking for a reliable and supportive mortgage broker.
11 May 2026
Flc
Amazing company! Used them many times since 2018 and always a high standard of service! Would definitely recommend!
5 May 2026
William Thompson
I would like to say Thankyou to Jonathan and Dan for giving me an easy experience in sorting out my equity release.They were polite,friendly and very professional in their duties,and they made everything as easy as possible for me
29 Apr 2026
Yasir Noori
The team at UK Moneyman, especially Stacey Waudby and Matt Collinson, were fantastic. They have been really helpful throughout the process and in keeping me in the loop, with any update regarding the application
16 Apr 2026
Janiene Walton
Great service, very professional and I felt my adviser really was interested in helping me get the best deal for a repayment mortgage for my age group.
29 Mar 2026
Andrea McLaren
What a fantastic team. Can’t recommend them highly enough. Warren and Johnathan were so professional and so easy to talk and explain things to. Everything about my remortgage went smoothly thanks to them. I will certainly be recommending them to friends and family. Thank you guys for all of your help, couldn’t have done it without you.
20 Mar 2026
Paul PI
UK Moneyman provide an excellent service, in my case with complex conveyancing. Simple upload of documents, excellent comms and friendly. They took time to understand my needs and to explain options and prov8de illustrations of what I was agreeing to. Fee was reasonable and transparent with no hidden traos or surprises. When things were not quite going as expected (loan provider not UK moneyman this was sorted quickly and efficiently. I would thoroughly reccomend them if you are looking for a mortgage, especially if what you need is not quite standard. Warren and Lizzy did the work, thankyou both...
19 Mar 2026
Craig Butler
I had a great experience working with Leo and Jo as my mortgage brokers. As a first-time buyer, the whole process felt quite daunting at the start, but they provided clear and helpful information from day one, which really put me at ease. They were always quick to respond to my emails and kept everything moving smoothly, regularly following up and making sure nothing was missed. A special mention to the moment they called to let me know my mortgage offer had been approved. It made the whole experience feel exciting and personal, rather than just transactional. I’d definitely recommend Leo and Jo to anyone, especially if you’re a first-time buyer looking for guidance and support throughout the process.
18 Mar 2026
Groovy Gazza
Very happy with the service, everything was made so smooth and easy. They were on hand anytime to answer any questions All very fast and efficient would recommend them no problem
15 Mar 2026
We start with a free initial lifetime mortgage appointment in Essex with one of our experienced mortgage advisors in Essex. This no-obligation session allows us to explore your financial goals and discuss whether a lifetime mortgage is the right choice for you. During this meeting, you’ll receive expert mortgage advice in Essex tailored to your individual needs and future plans.
Equity release may not always be the most suitable solution, and as a trusted mortgage broker in Essex, we’ll help you consider all the available alternatives. Depending on your situation, options like downsizing, accessing savings, or exploring other financial products could be more suitable. Our impartial mortgage advice in Essex ensures you make the right choice for your circumstances.
Deciding on a lifetime mortgage is an important step, and we encourage you to discuss your plans with family or other trusted individuals. Open communication ensures everyone understands the implications for the future. Our mortgage advisors in Essex are happy to assist during these discussions, offering clear guidance to help all parties feel confident about the decision.
After carefully assessing your situation and exploring all alternatives, we’ll provide a tailored lifetime mortgage recommendation. As a trusted mortgage broker in Essex, we ensure our recommendations include the most suitable lender and product features to meet your goals. Our mortgage advisors in Essex will guide you through the process step by step, ensuring you feel supported and secure in your decision.
Enjoy a free initial mortgage review with our expert mortgage advisors in Essex. This no-obligation session is designed to provide you with tailored mortgage advice in Essex, helping you explore your options and make informed decisions about your financial future.
As a trusted mortgage broker in Essex, we compare products from a variety of lenders to find the perfect deal for you. Whether it’s a lifetime mortgage or another financial solution, we’ll ensure it aligns with your goals and circumstances.
From start to finish, our mortgage advisors in Essex are dedicated to delivering exceptional service. You’ll receive honest and professional guidance throughout the process, ensuring you feel confident every step of the way.
Our mortgage advisors in Essex are available seven days a week to accommodate your schedule. Whether you need mortgage advice in Essex during the week or on the weekend, we’re here to provide the support you need.
Our Home Buying App is a digital mortgage coach designed to help you save up, plan, and track your home buying journey – whether you’re buying your first home, or fancy a move.
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Essexmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Essexmoneyman 2009–2026
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Essexmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Essexmoneyman 2009–2026
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