Lifetime Mortgage Expertise

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Wednesday August 2, 2023

We recently navigated a complex mortgage landscape to secure a lifetime mortgage for a 71-year-old UK homeowner with a desire to support her family’s housing dreams.

Discover the journey…

The Client

A 71-year-old widow, blessed with five adult children, reached out to us. Her desire? To access funds from her unencumbered residence worth over £2.7M to support two of her children in their property ventures and further enhance her quality of life. With a robust income stream from multiple pensions, she had a clear vision: to service her mortgage interest monthly and to have the flexibility of borrowing additional sums for future assistance, should she need to.

The Challenge

Our client’s age, combined with her unique requirements, made for a non-standard borrowing scenario. Retirement Interest Only lending options initially considered were less than ideal. She wanted the freedom to borrow a significant amount, with an initial need of a large lump sum and potential future draws of a significant sum of money. And all this at a competitive rate.

The Solution

After assessing multiple avenues, we zeroed in on a Lifetime mortgage. Through careful negotiations and leveraging our profound market insights and strong ties with specialist lenders, we presented our client’s case compellingly. Our effort was focused on ensuring the lenders understood her strong financial standing and her specific borrowing needs.

The Outcome

Our relentless dedication bore fruit. We secured a lifetime mortgage for our client, with an added drawdown facility. The cherry on the cake? A competitively fixed interest rate for the life of the loan. The loan offered a low LTV ratio, with flexible interest servicing options tailored to our client’s desires.

This case epitomises our expertise in crafting tailored mortgage solutions, even in the face of unique challenges. Our commitment is unwavering: to harness our deep market insights and strong lender relationships to bring financial dreams to fruition.

Home reversion plans and lifetime mortgages are complex products. To understand the features and risks, ask for a personalised illustration. 

Your home or property may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. 

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We are the UK’s leading specialist in delivering innovative and bespoke financing solutions to global clients.


Specialists in creating innovative and bespoke funding solutions.

Your home or property may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. Changes in the exchange rate may increase the sterling equivalent of your debt. You may have to pay an early repayment charge to your existing lender if you remortgage. Think carefully before securing any other debts against your home. is a trading name of Ltd, Aegon House, Ground Floor Suite, 13 Lanark Square, London, E14 9QD authorised and regulated by the Financial Conduct Authority (FCA). Our FCA registration number is 302228 and can be viewed by visiting the FCA website: The FCA does not regulate tax advice or some aspects of commercial, buy to let, overseas mortgages, bridging finance, finance and asset lending. Ltd is a licensed credit broker, and not a lender. Ltd Registered in England and Wales No: 5070990 Registered Address: As above. The guidance and advice contained within the website are subject to the UK regulatory regime and is primarily targeted at UK customers. Calls may be recorded for training and monitoring.
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Largemortgageloans is a trading name of Ltd, Aegon House, Ground Floor Suite, 13 Lanark Square, London