Lifetime Mortgages
A lifetime mortgage lets you release equity from your home without having to move.
We have advisors who specialise in later life lending and can guide you through the options.
Lifetime Mortgages Hub
Lifetime mortgages are a type of equity release that allows you to borrow against the value of your property, while continuing to live in it. You do not need to make monthly repayments unless you choose to. The loan, plus any interest that builds up, is repaid when your property is sold, usually when you pass away or move into long-term care.
Lifetime mortgages are regulated products and must be recommended by a qualified advisor. Lenders will look at your age, the value of your home, and how much equity you want to release. Many plans also come with options such as making voluntary repayments or protecting a portion of your estate for inheritance.
At Online Mortgage Advisor, our specialists have experience with later-life lending. They will explain how lifetime mortgages work, the costs involved, and whether this type of equity release is right for you.
Check your eligibility
Use our calculator to see how much equity you could release with a lifetime mortgage.
Read our guides
Explore our lifetime mortgage guides to understand the benefits, risks, and alternatives.
Compare lifetime mortgage plans
Use our comparison tool to view lenders currently offering lifetime mortgages.
Speak to an expert
Get matched with a qualified advisor who specialises in lifetime mortgages and will guide you through every step.
Our advisors are qualified in later life lending and will explain lifetime mortgages with transparency and care. Make an enquiry today.
Our Guides
Expert mortgage guidance tailored for later life lending.
Mortgage Tools & Calculators
Professional tools designed to help you understand your mortgage options, compare rates, and make informed decisions about your financial future.
Frequently Asked Questions
Still have questions about mortgages, rates, or the application process? Our comprehensive FAQ section covers everything from first-time buyer queries to complex remortgage scenarios.
No, a lifetime mortgage is a form of equity release, and you’ll need to be a homeowner to get one.
Typically, you can release 20% to 60% of the value of your property through a lifetime mortgage.
A mortgage advisor will search the market for you and recommend the best deal based on your situation. They do more than compare rates. They understand lender criteria, manage the paperwork, and know how to get complex cases approved.
With expertise in specialist mortgages and strong lender relationships, they save you time, reduce the risk of rejection, and often access deals not available directly.
Online Mortgage Advisor is an FCA-authorised mortgage broker serving customers nationwide. We match you with specialists who excel in situations like yours.
Over 600,000 borrowers have trusted us to help them find the right deal, and we are rated Excellent on Trustpilot.
Your first chat with an advisor is always free and comes with no obligation. If you choose to go ahead, fees vary depending on the complexity of your case, but you will always know the cost upfront. You will never be charged without agreeing to it first.
Customer Success Stories
Find out your best mortgage options today
You’ll have a dedicated team by your side from questions to completion, with clear choices and costs explained upfront. We’ll match you with a mortgage advisor specialising in your unique situation.