for straight talkers

Lifetime Mortgages

Unlock the equity in your home to enjoy retirement to the full or help out loved ones

Find out how much you could release
You might be surprised by the amount you could release from your home.

Try our calculator

  • A range of products to match your individual circumstances

  • Available to homeowners aged 55 and over

  • Retain ownership of your home - no negative equity guarantee

  • Get started today with a free initial consultation

We’ll help you feel at home with lifetime mortgages

We believe it’s important to be able to trust those offering advice. Our OneFamily lifetime mortgage advisers are qualified, experienced, impartial specialists, and they’ll look at the whole market to give you the very best lifetime mortgage advice.

You’ll have your own personal adviser to guide you through the process. They’ll get to know you, your needs and your individual circumstances. You won’t get a hard sell. You’ll set the pace and decide how and when you want to progress.

Advice built around your needs

Our lifetime mortgage advice is all about putting you in control. Choose to speak to us over the phone with your documents delivered by post or book an appointment online and login to our secure portal to share your documents and contact your adviser.

We’ll never push you to make a decision – you set the pace. Take the time to pause, reflect or discuss your decisions with your loved ones. What’s important to us is that you go at your own speed, fully understand our advice and are confident you’re making informed decisions.

We also make it easy for you to involve a family member or trusted friend in the discussion, even if they don’t live nearby, with 3 way video-conferencing.

One simple fee

Advice fees are often charged as a percentage of the loan, meaning it’s not always obvious how much you’ll be paying. And as the amount of the loan increases, so does the fee – even though the advice process remains the same.

We take a different approach.

No matter the size of the loan, we charge a simple fixed fee of £500 for our advice. Straightforward and easy to budget. So for example, for a loan of £50,000, if you were paying an advice fee of 2% you'd be paying £1,000. With OneFamily, you only pay £500. See how our fees compare

Some of our existing members may be eligible to receive this advice free of charge, where the advice fee is paid by OneFamily. Click here to find out more.

Find out how much you might release with our calculator

What sets our lifetime mortgage advice service apart?

  • Your own personal adviser, guiding you every step of the way. The £500 goes to OneFamily Advice. Our advisers are salaried and not on commission. They always put the customer needs first.
  • Speak to your adviser over the phone, with documents by post; or online with a secure portal, available 24/7, and video-conferencing, or a combination of the two.
  • You set the pace. If at any time you want to pause, reflect, or just take some time out, you can.
  • We charge a fixed £500 fee for advice regardless of the loan size or complexity, rather than a percentage fee which is more expensive for bigger loans. So it's always clear exactly how much you'll pay.
  • 3 way video conferencing. Invite family members or a trusted friend to join your calls, no matter where they live.
  • For your protection and peace of mind, all conversations are recorded.

Your free initial consultation

Interested in finding out more? If you’ve got a few minutes to spare, why not have a free consultation. Ask any questions you like and see how much you could borrow.

Speak to an adviser now

Speak to an adviser now

Our friendly team are on hand to help Monday to Friday, 9am-5pm.

0800 240 4240*

Speak to an adviser later

Speak to an adviser later

Have your consultation at a time and date that works for you.

Book a consultation

What is a lifetime mortgage?

A lifetime mortgage is a way for homeowners to release equity from their property to enjoy retirement to the full or to help family, whilst continuing to own and live in their home. The amount you can borrow depends mainly on how old you are and the value of your property, rather than the amount you can afford to pay each month. The mortgage will be repaid by the sale of your home when you die or move into long-term care.

A lifetime mortgage may affect your entitlement to means tested state benefits. Also, the value of your estate will be reduced due to the lifetime mortgage.

Find out more about lifetime mortgages

*Open Monday to Friday 9am to 5pm. Calls may be recorded and monitored for training purposes. Calls to freephone numbers are free from UK landlines and personal mobile phones. With business mobiles the cost will depend on your phone provider. If you'd like to know more, please ask your provider.