Mortgages

It is our task to understand, inform and advise you of the options available to you in respect of your mortgage needs. Whether you a purchasing the property for the first time, moving, seeking to re-mortgage or looking for investment property finance a Lifetime adviser will be there to guide you through the process.

With extensive experience and knowledge we will be able to highlight the best products, features, and risks associated with house purchase. We will also be there to review at regular periods the ever changing market.

Lifetime have access to mortgages from the Whole of Market and pride ourselves in sourcing the most appropriate mortgage for the individuals needs.

YOUR HOME MAY BE REPOSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Mortgages

Understanding your personal circumstances in order to advise on and arrange the most suitable finance for property purchase, whether for residential or investment purposes.

1st Time Buyer

Mover

Remortgage

Buy To Let

1st Time Buyer

As a First time Buyer we will be there to guide you on the journey to owning your first home. Our first step is to fully understand your circumstances including your affordability, attitude to risk and repayment preferences. We will explain your options and risks in detail. We will also look at the requirements of the lender and help you present your application to the most appropriate provider.

Your home may be repossessed if you do not keep up repayments on your mortgage.

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Mover

As your circumstances change, either by moving to a bigger property, relocating or downsizing, then it is likely to be necessary to look at your new mortgage options. We will guide you through the options available to you in view of your changing circumstances recommending the most appropriate lender. In addition, we will look at the requirements of the lender and help you present your application to the most appropriate provider.

Your home may be repossessed if you do not keep up repayments on your mortgage.

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Re-mortgage

Whether your existing deal is coming to an end, you require additional funding for home improvements or debt consolidation, or are simply seeking a lower interest rate then we can source an appropriate lender for you. We will also consider the options available from your existing lender.

Your home may be repossessed if you do not keep up repayments on your mortgage.

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Buy To Let

Purchasing an investment property comes with its own risks and requirements. Whether it is your first Buy To Let or you are seeking to increase your portfolio, we can guide you through the whole process. Most Buy To Let mortgages are not regulated by the Financial Conduct Authority.

Your home may be repossessed if you do not keep up repayments on your mortgage.

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Equity Release

Further Advances

Secured Loans

Bridging Finance

Equity Release

Equity Release mortgages allow you to release cash from your property without the need to move home. To be eligible for one of these plans, you need to be a UK homeowner aged 55-95. The money you release can be spent in any way you like and, what’s more, there are typically no monthly repayments to make. You may stay in your home for life, or until you decide you want (or need) to move. Our fully qualified Equity Release Advisers are available to guide you in this specialist area.

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Further Advances

Subject to enough equity within your property you may be able to secure further funding from you existing lender. We consider the options available to you and the implications of increasing your secured borrowing.

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

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Secured Loans

Secured loans may be used if you need to borrow a substantial amount. If you’re a homeowner wanting a loan to improve your property or looking to consolidate debt, then a secured loan could be an option. We will make clear the risks associated with this type of product and highlight that the loan is secured against you property.

Where advice is required in respect of secured loans, a referral will be made on a non-advised basis.

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Bridging Finance

Bridging loans are designed to help people complete the purchase of a property before selling their existing home by offering them short-term access to finance generally at a higher rate of interest.

Where advice is required in respect of bridging finance, a referral will be made on a non-advised basis.

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Protection

Ensuring that individuals and families are aware of the effect that Death, Serious Illness, Accident Sickness and Unemployment can have on their finances and standard of living of the survivors. Putting plans in place to wherever possible mitigate the risk. To protect the assets of the clients on Death and mitigate the effect of Inheritance Tax.

Life Assurance

Critical Illness

Income Replacement

Unemployment Cover

Life Assurance

Life assurance is the foundation of any financial planning. The loss of a partner or family member is distressing enough without the worry of being able to cope financially. We will seek to understand the effect the loss of their income could have on your financial security and ability to maintain lifestyle. Utilising either Term Assurance or Whole of Life plans we will recommend the most suitable and help you in the application process. Where appropriate we will utilise trusts to ensure that the proceeds of such plans are paid to the chosen people at the right time.

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Critical Illness

Serious illness can wreak havoc on both an individual and their dependant’s financial security. Illnesses such as heart attack, stroke and cancer can cause an individual to never return to work, work in a reduced role, or perhaps return to work after a period of convalescence. The complete or partial loss of income can come at a time of maximum stress. Utilising the many innovative products available to us we will recommend the most suitable to mitigate the risk.

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Income Replacement

The vast majority of us are reliant on our income to pay the bills and maintain lifestyle. We have bills to pay whether they are essentials such as mortgage, food and utilities or the luxuries such as holidays, eating out and gym memberships. However what would happen should the income stop? How long could bills be paid and lifestyle maintained on savings or benefits? These are the questions we seek answers to in order to establish if an income replacement policy would help you mitigate the risk. We have a vast array of policies available to us, ensuring that the most suitable is always recommended.

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Unemployment Cover

It is increasingly unlikely that we will stay with the same employer for all of our working lives. While a career change will often be in our own hands the loss of employment because of redundancy is not and can cause severe financial difficulties. We will assess your attitude to such a risk and look to mitigate where appropriate.

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A collaborative approach

It is our task to understand, inform and advise you of the options available to you in respect of your mortgage needs. Whether you a purchasing the property for the first time, moving, seeking to re-mortgage or looking for investment property finance a Lifetime adviser will be there to guide you through the process.

With extensive experience and knowledge we will be able to highlight the best products, features, and risks associated with house purchase. Will also be there to review at regular periods the ever changing market.

Lifetime have access to mortgages from the Whole of Market and pride ourselves in sourcing the most appropriate mortgage for the individuals needs.

Management Team

Bio

Jim Austin

Sales Director

Bio

Simon Jones

Business Development Manager

Bio

Steve Whitby

Sales Manager / Mortgage & Protection Adviser

Directors

Jim Austin has been involved with Lifetime since the companys’ foundation in 1998. With previous experience with Lloyds Bank and Legal and General he now has over 30 year experience in financial services.

He has absolute belief that joined up financial planning will deliver Lifetimes vision of ‘being the most trusted provider of financial advice’.

Simon joined Lifetime in 2014 to deliver our business development initiatives.

During his 30 years in the industry, Simon has held a number of roles ranging from Bank Manager and Financial Adviser, to key industry positions including National Account Manager with Legal & General and Met Life. Simon’s enthusiasm is fuelled by a real passion for the protection market.

Steve has been in the financial services industry for over 20 years. Having started with Lifetime in 1998 he is classed as one of the founder members. He currently holds a dual role within the business as both a senior adviser and sales manager. Steve is tasked with ensuring that through the spirit of collaboration, all clients have access to holistic financial advice.

Advisers

Gary Brassett

Business Partner / Mortgage & Protection Adviser

Adrian Day

Mortgage & Protection Adviser

Beverley Loggia

Business Partner / Mortgage & Protection Adviser

Mark Scott

Business Partner / Mortgage & Protection Adviser

Jake Brassett

Mortgage & Protection Adviser

Catherine Ayres

Mortgage & Protection Adviser

Sean Brosnan

Mortgage & Protection Adviser

Katy Eatenton

Mortgage & Protection Adviser

Paul Malone

Mortgage & Protection Adviser

Carly Williamson

Mortgage & Protection Adviser

Kelly-Jane Bliss

Financial Planner

Peter Chattey

Mortgage & Protection Adviser

Steve Caswell

Mortgage & Protection Adviser

Simon Harris

Mortgage & Protection Adviser

Charlie Molloy

Mortgage & Protection Adviser

Andrew Reed

Mortgage & Protection Adviser

Samantha McBride

Mortgage & Protection Adviser

Justin Vincent

Financial Planner

Nicki Carr

Mortgage & Protection Adviser

Andrew Hedley

Mortgage & Protection Adviser

Gavi Sandhu

Mortgage & Protection Adviser

Chris Tydeman

Financial Planner

Rebekah Hardacre

Mortgage & Protection Adviser

Dave Heap

Mortgage & Protection Adviser

Customer Support

Jennifer Bunting

Customer Support Manager

Ryan Crotch

Customer Support

Margaret Brady

Customer Support

Kerry McQuade

Customer Support

Nicola Adamson

Customer Support

Sarah Latham

Customer Support

Karen Hallam

Customer Support

Leanne Kingsley

Customer Support

Anita Berry

Customer Support

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