Unlock the value of your home with OneFamily Lifetime Mortgage Advice

Because retirement is for living

Your home is your castle. It’s where you’ve shared so many special times. It’s your sanctuary, your security and where you enjoy spending your time.

Money seems to be tighter for modern families and pensions are often too small to live off. That’s why more and more people are taking out lifetime mortgages.

If you’re over 55, a lifetime mortgage could help you to release equity from your home in a cash lump sum which you can spend however you please. How much you can borrow depends primarily on your age, the value of your property and the equity available.

A lifetime mortgage allows you to continue to own and live in your own home, whilst releasing some of the money tied up in it.  There are no restrictions on how you use the money, you could:

  • Make home improvements
  • Take a trip of a lifetime
  • Help your loved ones out
  • Pay off debts or an interest only mortgage

The choice is yours…

It is worth bearing in mind though that a lifetime mortgage will reduce the value of your estate and may affect your entitlement to means tested state benefits.

Why you need advice

Releasing equity from your property is a big decision for you and your family and will need careful consideration. To protect you, regulations around lifetime mortgages mean that you cannot buy one directly. You can only get a lifetime mortgage through a specialist regulated lifetime mortgage adviser like us, who will check your eligibility and guide you through all your options.  

Why choose OneFamily Advice?

Impartial and expert advice

We offer a whole market advice service, from Lifetime Mortgage advisers who are qualified, experienced and impartial. Our advisers are salaried and not working on commission. They’ll get to know you and your individual circumstances and help guide you through the process.

You set the pace

With OneFamily Advice you decide how and when you want to progress. We’ll never rush you – we want you to have the time to pause, reflect or discuss your decisions with your loved ones.

Bring your family on board

Whether your family is connected by blood, love or circumstance, as a family-focused business we believe that we’re stronger when we make decisions together. That’s why we make it easy for you to involve a family or trusted friend in the discussion, even if they don’t live nearby, with 5-way video conferencing.

One simple advice fee

No matter the size of the loan, we charge a simple fixed fee of £500 for our advice. Other providers often charge a percentage of the loan, meaning it’s not always obvious how much you’ll end up paying. And as the loan increases – so does their fee – even though the advice process remains the same.

Our friendly team of advisers are ready to help, so why not spare a few minutes to find out more with a free initial consultation?

Call OneFamily Advice on 0800 144 8237*

Find out more about OneFamily Lifetime Mortgage Advice here

*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.

OneFamily Advice is the trading name of OneFamily Advice Limited. OneFamily Advice Limited is registered in England and Wales at 16-17 West Street, Brighton, BN1 2RL, registered number 09188369 and is authorised and regulated by the Financial Conduct Authority. 
FI 24511 001 09.2018
Disclaimer provided by Silversurfers
The contents of this article are for reference purposes only and do not constitute financial or legal advice. Independent financial or legal advice should be sought in relation to any specific matter. Articles are published by us without any knowledge or notice of the circumstances in which you or anyone else may use or rely on articles or any copy of the information, guidance or documents obtained from articles. We operate and publish articles without undertaking or accepting any duty of care or responsibility for articles or their contents, services or facilities. You undertake to rely on them entirely at your own risk, and without recourse to us. No assurance of the quality of articles is given or undertaken (whether as to the accuracy, completeness, fitness for any purpose, conformance to any description or sample, or otherwise), or as to the timeliness of the publication.



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22nd Oct 2018
Thanks for voting!
I've been in contact with One Family and found their process detailed but none the less very informative.

Would recommend them so far.

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