Home finance made simple.
Mortgages, equity release and protection from a Leeds team that has been doing this since 2019. Free advice, whole conversations in plain English, and a straight answer about what is realistic for you.
How much could you release?
An indicative figure in about ten seconds. No personal details needed.
Equity release is available from age 55.
This is an estimate only, not an offer or a recommendation. The amount you can actually release depends on your age, property type and value, health and lifestyle, and the lender's criteria. A personalised illustration will set out the real figures and costs.
Mortgage repayment calculator
See what a given loan would cost each month.
An illustration only, based on the figures you enter. It is not a quote or an offer of credit. Actual rates depend on your circumstances, the lender's criteria and the loan-to-value.
Stamp duty calculator
2026/27 rates for England and Northern Ireland, Scotland and Wales.
Figures are for residential purchases at 2026/27 rates and are an estimate. Your conveyancer will confirm the exact amount due. Rates and reliefs can change.
- Free initial advice
- FCA regulated
- Equity Release Council member
- Award-winning team
Four ways we help, one team
Whether you are buying your first flat, protecting the income that pays for it, or releasing money from a home you have owned for forty years, it is the same office and the same standard of advice.
Buying a home
First home, next home, or an investment. We find the lender most likely to say yes to your circumstances, then handle it from offer to keys.
First-time buyers, moving, buy-to-letOwning a home
Coming off a fixed rate or raising money for an extension. We check whether staying put with your existing lender is genuinely your best option.
Remortgaging and product transfersProtecting it
Life cover, critical illness and income protection, arranged alongside the mortgage so the whole picture holds together rather than being sold in pieces.
Six kinds of cover, one conversationLater life
Releasing money from your home after 55, without moving. This is where we built our reputation and won our awards.
Equity release and lifetime mortgagesWe answer to you, not to a lender
Most people arrive worried they will be sold something. That is a fair worry. So here is how we are set up: we are directly authorised by the Financial Conduct Authority, which means we are not tied to any single lender or provider, and nobody upstream sets targets for what we recommend.
We will also tell you when the answer is no. If equity release is the wrong tool for what you are trying to do, we will say so and point you somewhere better. That has cost us business and earned us referrals.
- Directly FCA authorised, firm reference 936736
- Equity Release Council member firm
- Award-winning later life lending team
- Free initial advice with no obligation
Four steps, no surprises
Most people come to us unsure what they are even allowed to ask for. This is how we take it from there.
We listen
A free call, at a time that suits you. We ask what you are trying to achieve and what is worrying you. No jargon, no pressure, no obligation to go further.
We research
We look across the lenders and providers available to us and work out what is genuinely open to you, then explain the options in plain English, including the ones we would rule out and why.
We recommend
You get a written recommendation setting out what we suggest, what it costs, and the risks. You decide whether to proceed. Nothing happens until you say so.
We see it through
We handle the application, chase the lender and solicitor, and keep you updated until completion. You always know who to ring.
Not that awards prove much, but people ask
Judge us on what people actually said
We do not advertise on television. Our reputation is the only thing speaking for us.
Incredible professional support right through the process. I wish our solicitor met this exemplary standard. Peter was always available even at weekends, responding almost immediately to our requests. My wife and I have no hesitation in calling on his services again.
Great service from start to finish. Very polite at all times. Kept up to date with the process. Nothing to complain about.
Excellent from start to finish. I thought I was pretty good at looking after my finances, but the great help I had from the people I dealt with showed me otherwise. Their expertise in all matters financial was second to none.
Clear about money, from the first call
You should never have to guess what advice will cost you. Here is our position in full.
The first conversation
Free. However long it takes. Whether or not you go ahead.
Equity release and later life
A fixed fee of £1,495, payable only on completion. Nothing if your case does not complete.
Residential mortgages
{Any fee for residential mortgage advice will be agreed and confirmed to you in writing before you commit to anything. You will never receive an invoice you were not expecting.}
Protection
{Protection advice is normally paid for by commission from the insurer, which does not increase the premium you pay. Where a fee would apply in your case we will tell you and agree it with you in writing before you commit to anything.}
We will confirm all fees in writing before you commit to anything, and again in your recommendation. You will never receive an invoice you were not expecting.
Let us find out what is actually open to you
One free call. No credit check, no obligation, and a straight answer about what is realistic.
What happens when you call
- You speak to a qualified adviser, not a call centre
- We ask what you are trying to achieve, then listen
- You get an honest view of what is realistic
- No pressure and no obligation to go further
Questions we hear a lot
If yours is not here, ring us. We would rather answer it properly than leave you guessing.
Will this affect my credit file?
No. An initial conversation with us involves no credit check and leaves no footprint on your credit file. A search only happens later, with your explicit permission, if you decide to proceed with an application.
How much does advice cost?
The first conversation is free, however long it takes. For equity release and later life lending we charge a fixed fee of £1,495, payable only on completion. {Any fee for residential mortgage advice will be agreed and confirmed to you in writing before you commit to anything. You will never receive an invoice you were not expecting.} {Protection advice is normally paid for by commission from the insurer, which does not increase the premium you pay. Where a fee would apply in your case we will tell you and agree it with you in writing before you commit to anything.} All fees are confirmed in writing before you commit to anything.
Am I too old, or too young, to get help?
Very unlikely. We arrange mortgages for first-time buyers in their twenties and lifetime mortgages for homeowners in their nineties. The question is not your age, it is what you are trying to achieve and which lenders will consider it.
I have been turned down elsewhere. Is it worth calling?
Usually yes. A decline from one lender tells you about that lender's criteria, not about the whole market. Self-employed income, adverse credit, unusual property types and later life borrowing all have specialist lenders that high street banks do not compete with.
Do I have to come to your office?
Not unless you want to. We work by phone and video across the whole of the UK, and we visit clients in person across Yorkshire. Plenty of our clients complete an entire case without leaving their front room.
What happens to my information?
We collect only what we need to give you advice and to meet our regulatory obligations, and we use it only for that purpose. We do not sell your data and we never pass it to third parties for their own marketing. Where we need to share information with a lender, insurer or solicitor to progress your case, we tell you first. You can ask to see what we hold, have it corrected, or have it deleted where we are not required to keep it. The full notice is on our legal page.
Tell us what you are trying to do
We will call you back, usually the same working day. If you would rather just ring us, we are on 0113 833 1003 and a person answers.
- Free initial advice, no obligation
- No credit check to talk to us
- Whole conversations in plain English
- One adviser who sees your case through
Your home may be repossessed if you do not keep up repayments on your mortgage.
These products will be secured against your property. To understand the features and risks, please ask for a personalised illustration. If you have an existing mortgage it will need to be repaid. Any of these plans will need to be repaid when the last survivor dies, leaves the property, or enters long-term care. These products can affect any inheritance you leave and can affect entitlement to means-tested benefits now or in the future.
Tell us what you are trying to do
One short form. A real adviser will call you back, usually the same working day.