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For those aged 55 and over, a lifetime mortgage in Harrogate offers a practical way to tap into the value of your home while continuing to live there.
A lifetime mortgage is a type of equity release product that can provide the financial boost needed to enjoy retirement on your terms, whether that means funding renovations, travel, or personal projects.
With a lifetime mortgage, you’ll retain full ownership of your home, and they are available on both freehold and leasehold properties.
Our skilled mortgage advisors in Harrogate will help you understand your options and connect you with a suitable lender.
For a lifetime mortgage, those aged 55 and above in Halifax can choose between two main types of lifetime mortgages. Lump sum lifetime mortgages offer a single payment, perfect for covering large expenses, while drawdown lifetime mortgages provide flexibility for accessing smaller amounts as needed.
As a trusted mortgage broker in Halifax, we often suggest lifetime mortgages if you’re considering:
As providers of lifetime mortgage advice in Halifax, we often assist older borrowers who use these products to purchase a property. Common reasons include:
If a lifetime mortgage isn’t suitable, we’ll explore alternative mortgage options for the over-50s in Halifax to ensure your needs are met.
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The fee is up to 1% but a typical fee is £995.
You should always think carefully before securing a loan against your property.
A lifetime mortgage will reduce the value of your estate and may affect your entitlement to means tested benefits.
Clearing existing mortgage with a lifetime mortgage may result in higher cost of borrowing.
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196 5 Star Reviews
Alex Campbell
Amazing help from these guys, we are first time buyers and Warren was our dedicated Morgate advisor and he made the whole process seem easy and straightforward, he went above and beyond to help me and my partner and explained it all in great detail, best of all he was very down to earth and gave it to us strait. Would 100% recommend
15 Jul 2026
Steve Taylor
Excellent Customer Service from initially Dan who arranged our Lifetime Mortgage. The members of the Admin Team were always friendly and helpful. Special mention to Kerry Bewell for her willingness, post-completion, to help when needed. I would definitely recommend UK Moneyman to others.
6 Jul 2026
Dan
Couldn't recommend more! Conor's service was excellent from start to finish and make the process as easy and smooth as possible especially since we didn't even know where to start.
6 Jul 2026
Eva Elliott
We used money man to help us find a mortgage for our first house nearly 7 years ago. They were brilliant at helping us navigate as self employed people. We are just about to use them for our next house!
1 Jul 2026
Rob Shireby
Chris, Ami and Malcolm are all great people, very good experience.
24 Jun 2026
keith mantle
UKmoneyman helped us to obtain a mortgage.. They are a professional and helpful companywho we would reccomend to anyone seeking a mortgage Regards, Keith & Sandra Mantle
12 Jun 2026
Adam Bateman
Just wanted to comment on the experience I have had dealing with uk moneyman for my re mortgage. The team have been excellent throughout, special shout out to Stacy Waudby who has been a pleasure to deal with and has really been pro-active and helpful. I would definitely recommend them to anybody looking for independent mortgage advice
9 Jun 2026
amber sheridan
Ami has been great. She explained everything clearly and answered all of our questions (silly or not). Communication was great, genuinely couldn't recommend this service or our advisor Ami more.
28 May 2026
Keith Hirst
UK Moneyman have helped with my mortgage and remortgage for many years. Always really helpful and knowledgeable. My latest remortgage was done with Conor, who was great at making sure I was getting not just the best deal, but the right deal for my needs.
22 May 2026
Victor Abrams
I found Warren Bailey to be a very helpful and knowledgeable advisor when I discussed with him the potential options for a retirement mortgage . He had contacted me within a day of my seeking an initial conversation with him , and he reassured me there were lenders out there who would consider a mortgage paid out of pension , despite my own bank nort even talking to me as I was over 70 ! Within a couple days Warren had led me through the onboarding process , had explained what documents were needed and had found me a lender suited to my requirements. An excellent experience, and I would recommend him strongly to people looking for a retirement mortgage, and generally . Victor Abrams
15 May 2026
We start with a free initial lifetime mortgage appointment in Halifax with one of our experienced mortgage advisors in Halifax. This no-obligation session is an opportunity to discuss your financial goals and explore whether a lifetime mortgage is the right option for you. With expert mortgage advice in Halifax tailored to your circumstances, we’ll help you make an informed decision about your future.
Equity release may not always be the most suitable solution, and as a trusted mortgage broker in Halifax, we’ll help you evaluate all possible alternatives. Whether it’s downsizing, using savings, or exploring other financial products, our impartial mortgage advice in Halifax ensures you choose the option that most suitable fits your needs and goals.
We understand that deciding on a lifetime mortgage is a big decision, and we recommend discussing your plans with trusted individuals such as family members. Open communication ensures everyone understands the potential impacts. Our mortgage advisors in Halifax are available to support these discussions, providing clarity and helping everyone feel confident about the decision.
After a thorough assessment of your situation and consideration of all alternatives, we’ll provide a tailored lifetime mortgage recommendation. As a trusted mortgage broker in Halifax, we focus on matching you with the most suitable lender and product to meet your financial goals. Our mortgage advisors in Halifax will guide you through the entire process, ensuring it’s straightforward and transparent.
Our mortgage advisors in Halifax provide a free initial mortgage review to help you explore your options and make informed decisions about your future. This no-obligation consultation offers personalised mortgage advice in Halifax, whether you’re considering a lifetime mortgage or exploring other financial products.
As a trusted mortgage broker in Halifax, we compare a variety of lenders to find the perfect deal for you. Whether you’re looking for specific features or the most suitable rates, we’ll ensure the solution fits your financial goals and lifestyle.
We pride ourselves on delivering excellent service from start to finish. Our mortgage advisors in Halifax are here to guide you through every step of the process, offering clear and honest advice to make your experience as stress-free as possible.
We understand how busy life can be, which is why our mortgage advisors in Halifax are available seven days a week. Whether you need mortgage advice in Halifax during the week or on the weekend, we’re here to support you at a time that suits your schedule.
Our Home Buying App is a digital mortgage coach designed to help you save up, plan, and track your home buying journey – whether you’re buying your first home, or fancy a move.
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Halifaxmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Halifaxmoneyman 2009–2026
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Halifaxmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Halifaxmoneyman 2009–2026
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