Scott
Lead Later Life Mortgage & Equity Release Adviser
Over eight years' experience helping clients with mortgages, equity release and later-life lending — especially when circumstances aren't straightforward.
Equity release & later life lending specialists
Simple, smart advice for the next chapter of your life
Releasing equity from your home is a big decision. Our qualified later life advisers take the time to understand you and your family, explain everything in plain English, and help you choose what's right for you, with no hard sell.
Download our brochure (PDF, 550 KB) (opens in a new tab)- Covering the whole of the UK
- Family members welcome
- 30+ years' experience in financial services
- Whole-of-market lender access
- Free, no-obligation first chat
- Home visits, phone or video
Qualified, accredited and regulated. We're members of the Equity Release Council, our advisers hold AIR Academy Professional and LIBF Accredited Later Life Lending Professional status, and our advice is regulated by the Financial Conduct Authority. Check us on the FCA Register (opens in a new tab)
What could equity release help you do?
Our clients release money from their homes for all sorts of reasons. Here are some of the most common.
Boost your retirement income
Top up your pension and enjoy retirement with more breathing room.
Help your family
Gift money to children or grandchildren, or help them onto the property ladder.
Improve or adapt your home
Make your home more comfortable, safer or easier to live in.
Repay a mortgage
Clear an existing or interest-only mortgage that's coming to an end.
Clear debts
Consolidate existing borrowing. We'll also point you to free debt advice where it's more suitable.
Enjoy life
Travel, a new car or the things you've always planned to do.
Lifetime mortgage
You borrow against your home and stay living there. The loan and interest are usually repaid when the last homeowner passes away or moves into long-term care.
Retirement interest-only (RIO) mortgage
You pay the interest each month, and the loan is repaid when the home is sold, typically on death or moving into care.
We don't advise on home reversion plans. If we believe one, or another product, may suit you better, we'll refer you to an authorised partner for specialist advice.
Watch: What is a lifetime mortgage and home reversion? (1-minute video, with captions)Equity release has changed, and you're protected
Equity release once had a poor reputation because of poor advice and poor products. Those products are a thing of the past. All the lenders we work with are members of the Equity Release Council and follow its product standards, including:
The right to stay in your home for life, as long as it's your main residence and you keep to the terms.
A no-negative-equity guarantee. You, or your estate, will never owe more than your home sells for (subject to terms).
Freedom to move to a suitable new home, subject to the lender's criteria.
Fixed interest rates for lifetime mortgages.
Your own independent solicitor to check everything before you commit.
How it works: simple, clear and at your pace
Step 1: A friendly first chat
Free and with no obligation. We'll ask a few simple questions and answer yours, with no jargon and no pressure.
Step 2: Personal advice
We get to know you, your home and your plans, at your kitchen table, by phone or by video. Family members are very welcome to join.
Step 3: Your recommendation
We search the whole equity release market and explain our recommendation, with all costs set out clearly before you decide.
Step 4: Application and legal checks
We manage the application with the lender and keep you updated. Your independent solicitor checks everything on your behalf.
Step 5: Funds released
Once everything is complete, the money is released to you. A typical case takes around 6–8 weeks.
Start with a free chat
Free · No obligation · No hard sell
Specialist solution
Spray foam in your loft? Most lenders say no. We've found a way to say yes.
Spray foam insulation can make your home almost impossible to mortgage, sell or release equity from. We have access to a specialist lender who will arrange the removal of the spray foam, then let you raise finance against your home, with the cost of removal built into your plan.
- Friendly chat
- We check you qualify
- Spray foam removed by approved contractors
- You raise the finance you need
Free · No obligation · No hard sell
Real people who take the time to know you
Later Life Money is the specialist later life advice arm of The Money Group. Key to our success is taking the time to know you and your needs, and often your family too.
Elise
Trainee Later Life Mortgage & Equity Release Adviser
After more than 20 years in customer care and retail management, Elise brings warmth, patience and a genuine gift for listening to every conversation about your finances.
Steve Paterson
Founder & Director
Over 30 years in financial services — twice nominated for the Financial Times' "Equity Release Adviser of the Year", and featured in the Sunday Telegraph for helping a gentleman save his home.
"A North Easterner living in Newton Aycliffe, I love my community and my family — and I get real joy from helping those around me."
The team is supported by the wider Money Group, including dedicated compliance oversight, so every recommendation meets the FCA's standards.
What our clients say
Don't just take our word for it. Here's what our clients say on Google.
Google Reviews
5.05.0 out of 5 stars
5.0 on Google
Free · No obligation · No hard sell
We search the whole market for you
We always work to find the most suitable product for your circumstances, without bias. Every lender we work with is a member of the Equity Release Council.
Established 1836, helping over 10 million people
A well-known name, from insurance to equity release
Later life lending specialists since 2008
…and many more.
Your questions, answered in about a minute
We've recorded short videos answering the questions we're asked most often.
Prefer to talk it through? Call 0330 383 0038.
Expert Advice Across the UK, with Local Advisers in the North East and Yorkshire
Our advisers provide expert, personalised advice to clients throughout the UK, with a strong local presence in the North East and Yorkshire.
We offer flexible appointments by telephone, video call or face-to-face, including home visits across the UK, allowing you to discuss your options in the comfort of your own home.
Telephone
Video call
Face-to-face
Including home visits across the UK
Our local presence
North East
Durham · Newcastle · Sunderland · Darlington · Teesside · Newton Aycliffe
Equity release in County Durham & the North EastYorkshire
Rotherham · Harrogate
Equity release in Rotherham & South YorkshireBook your free, no-obligation consultation
Have a friendly chat with one of our qualified advisers. There's never any pressure to go ahead, and you're welcome to involve your family.
- Free first consultation
- Plain English, no jargon
- Whole-of-market advice
- Home visit, phone or video
- Phone
- 0330 383 0038
- Office
- 27 Bridgegate, Rotherham, South Yorkshire, S60 1SN