Mortgages

Expert Mortgage Advice for the Over-55s

Tailored Solutions for Your Stage of Life

Whether you’re moving home, remortgaging, or looking to borrow for home improvements, gain proper advice to ensure you access suitable products.

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Mortgages for Later Life

Many people assume they can’t get a mortgage in later life. While older borrowers may face unique challenges, suitable mortgage solutions can be secured with the proper knowledge.

Jane Jackson Financial Solutions collaborates with lenders who appreciate the value of experience and equity. Whether you need a mortgage that works around retirement plans, pension income, or changing circumstances, you can talk through the options and application process in-person.

From initial consultation through to completion, your mortgage application will be managed with dedicated support, including lender communications, and solicitor liaison. Typically, applications can take around eight weeks, although some extenuating circumstances may increase this timeframe.

Are you still working or have a good retirement income? You might need funds for a home project, want to pay off debts, or need to repay an existing interest-only mortgage. Some lenders will consider applications up to age 80 if you have earned income, or with no age limits if you have pension income. Approval depends on your current income and whether it is expected to continue in the future – you can discuss these options during your initial consultation.

How Clients Use Their Lifetime Mortgages

Clients have taken out later life mortgage solutions to meet a variety of different needs, including:

Home Improvements Icon

Retirement Property

Moving to suitable retirement properties (except sheltered accommodation)

Lifestyle

Releasing capital for retirement lifestyle improvements

Second Home

Purchasing holiday homes or investment properties

Better Rate

Remortgaging to secure better rates before retirement

Family Support

Gifting a home deposit to younger family members

Debt Consolidation

Boosting pension pots to live the life they want to lead

Holiday

Taking one last holiday of a lifetime.

Take the First Step with Confidence

You deserve clear, honest advice about mortgage options without any pressure to proceed. Every conversation starts with understanding your unique situation and what you want to achieve. Call 07990 836455 for a fee-free consultation.

Making Financial Decisions Responsibly

Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

A lifetime mortgage is not suitable for everyone, and it is important to seek financial advice before taking any action. All other options available should be explored before choosing equity release.

Interest is charged on both the original loan and the interest that has been added. The amount you owe will increase over time, reducing the equity left in your home, potentially to nothing. Please discuss with your family and beneficiaries.

Jane Jackson Financial Solutions provides expert mortgage, protection and insurance advice. Jane Jackson Financial Solutions is a trading name of Just Mortgages Direct Limited and Jane Jackson Financial Solutions is the name under which we carry out these services.

Jane Jackson Financial Solutions is not a business in it’s own right, it is part of Just Mortgages Direct Limited, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited. Just Mortgages Direct Limited was set up in 1989 and has been part of The Openwork Partnership since 2016.

The Openwork Partnership is one of the UK’s largest Financial Advice networks, with over 4,500 advisers and in excess of 700 appointed representatives based throughout the UK.

Jane provides expert mortgage, protection and insurance advice. She will get to know your individual circumstances, establish your goals, and find the right mortgage and protection arrangements for you.

Jane Jackson
Equity Release, Mortgage, and Protection Adviser
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