Whole of Market Access
We compare every UK lifetime mortgage lender to find the right rate and terms for you.
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If your interest-only mortgage is coming to an end, a lifetime mortgage could release the equity in your home without you having to sell it. Our independent, FCA-authorised advisers compare every lifetime mortgage lender in the UK to find the right solution for your circumstances.
FCA-Authorised
30 Years' Experience
CeRER-Qualified Advisors
No Obligation Consultation
A&S Mortgages is an independent, FCA-authorised specialist in lifetime mortgages, helping UK homeowners release tax-free equity from their property without having to sell. With 30 years of experience and access to every lender in the UK, we compare the whole market to find the right solution for you.
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FCA-AUTHORISED LIFETIME MORTGAGE SPECIALISTS
FCA-Authorised
30 Years' Experience
CeRER-Qualified Advisors
No Obligation Consultation
Ready To Find Out How Much Equity You Could Release?
Enter your basic details and one of our specialist advisers will be in touch to arrange your free, no-obligation consultation.
Ready To Find Out How Much Equity You Could Release?
Enter your basic details and one of our specialist advisers will be in touch to arrange your free, no-obligation consultation.
Why Choose Us
Experience You Can Trust
A&S Mortgages is an independent, FCA-authorised specialist in lifetime mortgages, with 30 years of experience helping homeowners release equity from their property. Our advisers hold both CeMAP and CeRER qualifications, meaning they are fully authorised to advise on lifetime mortgages and equity release, a specialism many brokers cannot offer. We compare every lifetime mortgage lender in the UK on your behalf and manage the entire process from your first call through to completion, so you always know exactly where you stand.
30 Years of Experience
Since 1994, we’ve helped homeowners find lifetime mortgage solutions that suit their needs.
CeMAP & CeRER-Qualified Advisers
Specialist advisers qualified to provide expert lifetime mortgage and equity release guidance.
We Handle Everything
We manage your application, paperwork and solicitor liaison from enquiry to completion.
HOW IT WORKS
Simple, Guided, Stress-Free
Share Your Details
Enter your basic information through our quick and simple form.
We Get In Touch
One of our specialist advisers will call you at a time that suits you for a free, no-obligation consultation.
Discuss Your Options
We'll talk through your circumstances and explain your lifetime mortgage options clearly, with no pressure and no obligation to proceed.
Access Tax-Free Equity
From Your Home
Without Selling
Our Services
Whole-of-Market Expert Advice
A&S Mortgages provides independent advice on lifetime mortgages, helping homeowners release tax-free equity from their property without the need to sell or move. As whole-of-market specialists, we compare every UK lifetime mortgage lender to find a solution suited to your circumstances, then manage the process from application through to completion.
ABOUT US
A&S Mortgages is an independent mortgage broker specialising in lifetime mortgages and equity release advice for UK homeowners. Since 1994, the business has focused on helping people whose interest-only mortgage term is coming to an end find a way to stay in their home without being forced to sell. Our approach is to explain every option clearly, in plain English, so you can make the decision that's right for you and your family.
A&S Mortgages is authorised and regulated by the Financial Conduct Authority as an appointed representative of CDEALS LTD. Our advisers hold both the CeMAP and CeRER qualifications required to advise on lifetime mortgages, and over 30 years we have helped more than 500 homeowners navigate this exact situation.
Three Decades Of Experience
Access Tax-Free Equity From Your Home Without Selling
A&S Mortgages is an independent, FCA-authorised specialist in lifetime mortgages, helping UK homeowners release tax-free equity from their property without having to sell. With 30 years of experience and access to every lender in the UK, we compare the whole market to find the right solution for you.
Free, No-Obligation Consultation With A Qualified Lifetime Mortgage Adviser
Simply share your basic details and one of our specialist advisers will be in touch to arrange a time to talk through your options.
TESTIMONIALS
Trusted Advice, Real Results
"I can't recommend Alan highly enough. At first the whole process felt daunting, but Alan was there every step of the way. He was always at the end of the phone whenever I had any questions or needed reassurance, and nothing ever seemed like too much trouble. His knowledge, patience and support made the experience so much less stressful."
Guided every step of the way
S
Shari
Inverness, Scotland
"I've been working with Alan for several years, and I can't recommend him highly enough. He's incredibly knowledgeable, always takes the time to understand my circumstances, and consistently goes above and beyond to secure the best mortgage deals — making the whole process smooth and stress-free. His honesty and reliability mean I have complete confidence in his advice."
Complete confidence in his advice
J
Joel
Kirkcaldy, Fife
"Alan helped me get my lifetime mortgage from start to finish. He was professional and efficient throughout, keeping me updated at every stage — nothing was ever left in doubt. I couldn't have been happier with his work, and I'd recommend him without hesitation."
Professional, efficient, and always in touch
A
A. H.
Dunblane, Scotland
Common Questions
Your Questions Answered
Yes. A regulated lifetime mortgage includes a legal guarantee of your right to remain in your property for life, or until you choose to move into long-term care. This is protected by law and by FCA regulation.
No. Every regulated lifetime mortgage includes a No Negative Equity Guarantee. Your estate will never owe more than the sale value of the property. Your children cannot inherit a debt under any circumstances.
No — repayments are entirely optional. You can pay nothing at all, pay some interest monthly, or pay as much as you like. The loan and any accumulated interest are settled only when the property is eventually sold.
Very unlikely. Most lifetime mortgages complete in 6–10 weeks. Contact us as soon as possible — we can also liaise directly with your current lender to manage the timeline.
Lifetime mortgages require the CeRER qualification (Certificate in Regulated Equity Release) that very few advisors hold. Standard mortgage brokers are legally unable to advise on these products — which is why you may have been told there are no options.