It is our task to understand, inform and advise you of the options available to you in respect of your mortgage needs. Whether you are 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.
Mortgages
With extensive experience and knowledge we will be able to highlight the most appropriate 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 repossessed 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.
Think carefully before securing debt against your home, your home may be repossessed if you do not keep up repayments on your mortgage.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
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or
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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.
The Financial Conduct Authority do not regulate buy to let mortgages.
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.
Equity Release will reduce the value of your estate and can affect your eligibility for means tested benefits.
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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.
Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
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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.
The Financial Conduct Authority do not regulate bridging loans.
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
This Payment Protection Insurance is optional. There are other providers of Payment Protection Insurance and other products designed to protect you against the loss of income. For impartial information about insurance, please visit the website at https://www.moneyhelper.org.uk/en/pensions-and-retirement/taking-your-pension/find-a-retirement-adviser
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
Lifetime Wealth Management Limited
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 most suitable 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
Paul Merrigan
CEO
Bio
Jim Austin
Sales Director
Bio
Simon Jones
Business Development ManagerDirectors
Paul Merrigan
CEO
Paul founded Lifetime in 1998 with the objective of becoming the most trusted provider of financial advice. Ensuring that clients receive the best possible advice was the inspiration behind the formation of his award winning software company 360 Dotnet. Paul continues to innovate and believes that you have to earn the right to become a clients’ trusted adviser of choice.
Jim Austin
Sales Director
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 Jones
Mortgage & Protection Sales Manager
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.
Advisers
Kelly Bliss
Financial Planner
Nicki Carr
Mortgage & Protection Adviser
Rebekah Hardacre
Mortgage & Protection Adviser
Beverley Loggia
Business Partner / Mortgage & Protection AdviserPaul Taylor
Mortgage & Protection Adviser
Victoria Wescott
Mortgage & Protection Adviser
Gary Brassett
Business Partner / Mortgage & Protection Adviser
Steve Caswell
Mortgage & Protection Adviser
Simon Harris
Mortgage & Protection Adviser
Paul Malone
Mortgage & Protection Adviser
Chris Tydeman
Financial Planner
Carly Williamson
Mortgage & Protection Adviser
Jake Brassett
Mortgage & Protection Adviser
George Denton
Mortgage & Protection AdviserDave Heap
Mortgage & Protection Adviser
Andrew Reed
Mortgage & Protection Adviser
Justin Vincent
Financial PlannerKerry Waite
Mortgage, Protection & Equity Release Adviser
Sean Brosnan
Mortgage & Protection Adviser
Katy Eatenton
Mortgage & Protection Adviser
Andrew Hedley
Mortgage & Protection Adviser
Mark Scott
Business Partner / Mortgage & Protection AdviserDaniel Vincent
Financial PlannerCustomer Support
Nicola Adamson
Customer SupportKaren Hallam
Customer Support
Anita Berry
Customer Support
Sarah Latham
Customer Support ManagerSam Quibell
Customer SupportRoxanne Bury
Customer Support
Kerry McQuade
Customer Support
Ryan Crotch
Customer Support
