Your interest-only
mortgage term is ending.
Your lender wants the full balance back…
You've been told your options are limited. And right now you're facing one of the most frightening financial situations imaginable:
- A five or six-figure sum due — just as you're approaching retirement
- Lenders turning you away because of your age
- The real possibility of having to sell the home you've lived in for decades
- Wiping out your savings to repay it — leaving nothing for yourself or your family
- Watching the retirement you worked for, and the help you wanted to give your children, disappear
Imagine the call where this ends. Your home safe. Your children's inheritance intact. A lump sum to spend exactly as you wish — repaid however you choose, or not repaid at all.
There is a solution. Most people in your situation have never been told it exists — it's called equity release, and a lifetime mortgage is the product that delivers it. You won't find this from your high street bank — you need to speak to a specialist. That's where we come in, to help you get the perfect solution to your situation.
If your term is ending in the next 6–12 months, time matters. The sooner you speak to a specialist, the more options you have.
We only get paid when we find you a solution you're happy with.
If this sounds familiar — you're not alone
The letter nobody wants to receive
Illustrative scenario based on real client experiences. Names are fictional.
This conversation is happening in living rooms across the UK right now.
Why homeowners feel trapped — and why they're not
"My lender wants the full balance and I don't have it"
Over 90% of high-street lenders will not extend an interest-only mortgage at your age. This is standard policy — not a reflection of your creditworthiness. You need a specialist, not a high street bank.
"I can't afford a standard mortgage at this stage of life"
A lifetime mortgage does not work like a standard mortgage. There are no mandatory monthly repayments. You pay what you want, when you want — including nothing at all.
"We'll have to sell and downsize, leave the area we love"
A lifetime mortgage guarantees you the legal right to remain in your home for the rest of your life. There is no forced sale. Ever. This guarantee is protected by law and by the FCA.
"Our children will inherit debt, not a home"
Every regulated lifetime mortgage includes a No Negative Equity Guarantee. Your children will never inherit a debt larger than the value of the property. Many products also offer inheritance protection options.
"I couldn't find any other advisors who could help"
That's because most can't. Lifetime mortgages require the CeRER qualification — held by very few advisors. Our team are fully CeMAP and CeRER qualified, meaning they are legally authorised to advise on these products when others are not.
If any of this sounds familiar — there is a solution most people in your situation have never been told about.
No pressure, no jargon. Just honest answers at your pace.
The conversation that changes everything
This is the conversation we have every week. It starts with worry. It ends with a plan.
You choose how it works
A lifetime mortgage is the product that delivers equity release — it clears your existing debt using your home's equity, without you having to sell. No fixed term. No mandatory monthly repayments. You stay in your home for life.
Your repayment options — entirely your choice
Ready to find out if this is the answer you've been looking for?
Free. Confidential. No obligation. We call you at your chosen time.
Or call free: 01877 360 420
Home. Safe. For the rest of their lives.
Illustrative scenario based on real client experiences. Names are fictional.
This is the outcome we work towards for every single client. Your home. Your peace of mind. For life.
“Most people in your situation have never been told this solution exists. Our job is to make sure you know about it — before it’s too late.”
A&S Mortgages — Specialist Lifetime Mortgage Advisors
The qualification that makes all the difference
CeMAP & CeRER qualified advisors
Our advisors hold both the CeMAP and CeRER qualifications — the industry standard for mortgage and equity release advice. Without a CeRER (or specialist equity release qualification), an advisor cannot legally recommend these products — which is why most brokers can't help you.
Whole of market access
Only a handful of UK lenders offer lifetime mortgages. We compare every one of them, so you get the best rate and terms for your situation.
30 years of experience
Since 1994, we've helped hundreds of homeowners navigate this exact situation. We know the worry. We know the solution. We know how to get it done.
We handle everything
From your first call to completion, we manage the entire process — lender applications, paperwork, solicitor liaison. You make the decisions. We do the work.
Homeowners who found their peace of mind
Simple, clear — entirely at your pace
Book your free confidential consultation
A 30-minute call with one of our specialist advisors. No pressure, no jargon, no obligation whatsoever. We listen, we explain, and we answer every question you have — in plain English.
We search every available lifetime mortgage
We compare every lifetime mortgage product from every lender in the UK. There are very few lenders who offer these products — which is precisely why working with a specialist matters so much.
You receive a clear personal recommendation
We present your options in plain English — exactly what each product means for your home, your finances, and what you may be able to leave for your family. No obligation to proceed.
We handle everything through to completion
If you choose to proceed, we manage the lender application, solicitor coordination, and settlement of your existing mortgage. Most clients complete within 6–10 weeks. You remain in your home throughout.
Common questions
Yes. A regulated lifetime mortgage includes a legal guarantee of your right to remain in your property for life, or until you choose to move into long-term care. This is protected by law and by FCA regulation.
No. Every regulated lifetime mortgage includes a No Negative Equity Guarantee. Your estate will never owe more than the sale value of the property. Your children cannot inherit a debt under any circumstances.
No — repayments are entirely optional. You can pay nothing at all, pay some interest monthly, or pay as much as you like. The loan and any accumulated interest is settled only when the property is eventually sold.
Very unlikely. Most lifetime mortgages complete in 6–10 weeks. Contact us as soon as possible — we can also liaise directly with your current lender to manage the timeline.
Lifetime mortgages require the CeRER qualification (Certificate in Regulated Equity Release) that very few advisors hold. Standard mortgage brokers are legally unable to advise on these products — which is why you may have been told there are no options.
Your home is worth fighting for.
Let's make sure you keep it.
Prefer to call? 01877 360 420 — Call Free • Mon to Fri, 9am–6pm
Free • Confidential • No obligation • We will never pressure you into any product
FCA Authorised • 30 Years' Experience • Qualified Specialist