Lifetime Mortgages & Finance Ltd

We search the market place to find you the most comprehensive deal that meets your needs and relevant circumstances

Find Out More Contact Us

Lifetime Mortgages & Finance Ltd

We search the market place to find you the most comprehensive deal that meets your needs and relevant circumstances

Find Out More Contact Us

Lifetime Mortgages & Finance Ltd

We search the market place to find you the most comprehensive deal that meets your needs and relevant circumstances

Find Out More Contact Us

Formed in 2003

Lifetime Mortgages & Finance Ltd has built long term relationships and alliances with the best and most diverse lenders in the mortgage market place. Being authorised and regulated by the Financial Conduct Authority (FCA no. 300613) enables us to advise and recommend on the complete intermediary mortgage market place. Our management and staff have in excess of 30 years experience in the financial sector including management positions within the banking sector.

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Comprehensive Deals

We research the market place to find you the most comprehensive deal that meets your needs and relevant circumstances. Because we are independent and authorised by the FCA, this means we offer a totally impartial service. The Company has access to a whole range of services including mortgages, financial services such as life assurance and bridging finance.

person with keys for real estate

Typical Mortgage Requirements

  • Residential Mortgage
  • New Purchase, First Time Buyers or Remortgage, Help to Buy
  • Right to Buy
  • Shared Equity and Equity Release
  • Buy to Let (including new purchase and remortgage for both Regulated and Non Regulated).
  • Let to Buy
  • Adverse Mortgages
  • Second Charge Finance
  • Commercial
  • Overseas Mortgage

Our Mortgage Services Include

Your home is at risk if you do not keep up repayments on a mortgage or any debt secured on it.

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  • A full advice or execution only service on all mortgages.
  • Life Assurance Advice
  • Fast and Efficient service from initial application stage right through to completion. We handle all of the lender associated paperwork on your behalf.
  • Response to any enquiry within 24 hours.
  • Access to our mortgage team of experts.
  • Any application can be processed through our online or phone service.
  • Our unique regular feedback system on all applications.

Years of Experience

Our many years of bridging finance experience enable us to fully understand and source your financial requirements in a fast and efficient manner. With us being totally independent it enables us to advise on the complete market place and to ensure a fast and transparent approach in all our dealings.

Typical Bridging Deal

  • Rates from 0.5% per month.
  • First, Second or Cross Charges accepted.
  • Up to 75% of the security value on a first charge basis, 65% on a second charge basis.
  • Up to 12 month loan period
  • Minimum loan amount of £25,000
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Typical Bridging Loan Uses

  • Short Term Finance.
  • Buying a new property before the sale of your existing property.
  • Development or Refurbishment Loan for an investment purchase or remortgage.
  • Buy a defective property ie. One that a normal lender deems non mortgageable.
  • Simply for speed, perhaps a property purchase at auction.
  • To take advantage of discounted or reduced sale price and borrowing against value rather than purchase price.
  • Divorce settlement, annulling a bankruptcy, fending of a property possession.
  • Tax or VAT Bill.
  • Business Investment or cash flow
  • A charge can be taken over land or a number of properties
  • Poor credit history acceptable.
  • Proof of income not a requirement.
  • Purchase of land.
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Our Bridging Loan Services Include

Your home is at risk if you do not keep up repayments on a mortgage or any debt secured on it.

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  • Bespoke deal depending on specific requirements.
  • Unique access to bridging finance and funding.
  • Bridging Loan Experts with more than 15 years experience in the industry.
  • Enquiry Response within 2 working hours.

Partner Links

Over the years we have a built a number of strong relationships with professionals in the following areas:

Estate & Letting Agents

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Estate & Letting Agents in London and the South East


Solicitors

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Solicitors who cover particular areas of law such as conveyance, litigation, Marital, Commercial, Insolvency, Offshore Tax and Trust planning issues.


Certified Accountants

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Chartered and Certified Accountants offering taxation, audit and payroll services for both small and large business. All areas of Tax planning including Wealth & Estate planning.


Financial Advisers

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Financial Advisers who specialise in particular areas such as Portfolio, Investment planning, Retirement & Estate planning.


Other Advisers

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Advisers who specialise in Will writing and specialist taxation services.


Contact Us

Official opening hours
9am to 5pm Mon – Fri

01707 879090
01707 879091
mike@lmandf.co.uk

Regulations

Lifetime Mortgages & Finance Ltd is authorised and regulated by the Financial Conduct Authority. No. 300613.

Company Reg No. 4816365
Registered Office : 66 New Park Road, Newgate Street, Hertford, Herts SG13 8RF

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