Lifetime Mortgages

  • Your home is more than just a place to live—it’s also a valuable asset that can help fund your retirement, home improvements, or other financial needs.

    A lifetime mortgage, a type of equity release, allows homeowners aged 55 and over to access tax-free cash from their property while continuing to live in it. At J Finance, we provide expert, independent guidance to help you find the right equity release solution for your circumstances

  • 1. Lifetime Mortgage

    A lifetime mortgage is a loan secured against your home, allowing you to release a lump sum or receive regular payments while retaining ownership. The loan, plus interest, is repaid when you pass away or move into long-term care.

    2. Home Reversion Plan

    With a home reversion plan, you sell a portion of your property to a provider in exchange for a lump sum or regular payments, while continuing to live there rent-free. However, these plans account for less than 0.1% of the UK equity release market, and as a result, J Finance does not offer this option. We can, however, refer you to a trusted specialist if this is the right solution for you.

  • ✔ Tax-Free Cash – Use the money however you choose, whether for home improvements, holidays, or supplementing your retirement income.

    ✔ Flexible or No Monthly Repayments – With a lifetime mortgage, repayment is only required when you pass away or move into care. However, modern plans allow voluntary payments ranging from 0-100% of the interest, and some lenders offer discounted rates for those who choose to pay interest.

    ✔ Stay in Your Home – Continue living in your property while benefiting from its value.

    ✔ Flexible Withdrawal Options – Choose a lump sum, regular payments, or a combination of both to suit your financial needs.

  • ⚠ Impact on Benefits – Releasing equity may affect your entitlement to means-tested benefits.

    ⚠ Interest Roll-Up – Interest accrues over time, which could reduce the inheritance left for your loved ones.

    ⚠ Expert Guidance is Essential – Equity release is a big financial decision, so professional advice is key to ensuring it’s the right choice for you.

  • ✅ Independent, Regulated Advice – We work with a range of providers to find the best equity release plan for your needs. We are Equity Release Council members.

    ✅ Tailored Solutions – Every homeowner’s situation is unique, so we offer personalised recommendations.

    ✅ Transparent Process – We explain everything clearly, ensuring you make an informed decision.

    ✅ Ongoing Support – We guide you through the entire process and beyond, ensuring continued peace of mind.

  • Equity release can provide financial freedom in later life. Contact J Finance today for expert advice and to explore your options.


    We are happy to hold meetings remotely or our advisers are based all over the UK in locations such as Berkshire, Oxfordshire, Hertfordshire, Bedfordshire, Yorkshire, Derbyshire and London.

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