You have probably never heard of us.
We do not spend money on television adverts. We only have our reputation to speak for us, and our clients tell you that in their reviews. What we have is a cabinet of industry awards, a page of real Google reviews, and a phone that a person answers.
- Established 2019
- Directly FCA authorised
- Equity Release Council member
- Leeds based, advising UK wide
What we do
Our vision is to create an equity release and later life mortgage advice service that is straightforward and simple for our clients to access. We only employ highly trained specialist advisers to deliver clear and transparent advice, to ensure you receive a bespoke, tailored solution to your needs.
We offer qualified advice upfront and without charge, so you understand the proposed solution before proceeding or incurring any costs.
Our team will keep you updated and informed during the progress of the application, and we will actively manage the case to ensure it moves from application to completion in a timescale to suit your needs and circumstances.
That was where we started. Today the same team and the same standard of advice also covers residential mortgages and protection, which is why the business now trades as Lifetime Home Finance.
The Lifetime Guarantee
We are confident in the service we offer to our clients. If for any reason we do not deliver on our promises to you, we will give you a £100 gift voucher.
We promise:
- To take the time to understand your situation and your needs
- To tell you if equity release is not the right solution for you
- To provide you with a free report explaining every detail of our solution to help you decide
- To provide regular updates throughout the process
- To work with you and your family if you would like them involved
- To research and consider our carefully selected panel, and if required the whole market, for the best solution for you
- To provide no funds, no fee equity release
- To give ongoing support once your plan completes. Call us any time for further free advice
Mission statement
We will advise, educate and inform our clients on the appropriate course of action for them based on their needs and circumstances.
We will act with integrity in all that we do and ensure we obtain the best outcome for our clients.
We will ensure our clients receive outstanding service whenever they engage with our team.
The team
Small firm, deliberately. You get the person, not the department.
Peter Huckerby
Co-owner, Cert CII (MP & ER), CeSRE. Advising mortgage clients since 2006 and specialising in later life lending since 2010.
Family
Peter is married to Nicola, who also works in financial services. They have three grown-up children, two sons and a daughter, and a granddaughter aged eight.
Hobbies
Peter is a film buff and a keen reader, though he admits he is steadily migrating to audiobooks. His main hobby is music. He is the lead singer of a soul band called Brothers on the Slide, and has played in bands for around twenty-five years.
"We mainly play classic soul covers and do all the usual bars, clubs and private functions, and it is a lot of fun. I have been lucky enough to play with a few famous people over the years. Robbie Williams, Candi Staton and Martha Reeves of Martha and the Vandellas were all really nice."
Ambitions
"I have loved science fiction ever since I was a kid, and if I ever got the chance to take a trip into space on one of the new Branson, Bezos or Musk space planes, I would jump at it."
Likes
"I love cooking, and eating, especially spicy and flavourful foods. I managed to get Covid in 2021 and lost all sense of taste and smell for about three months. When it came back, thankfully, it made me really appreciate how important the little things are."
Peter with his wife Nicola, who also works in financial services.
A personal photograph from Peter's twenty-five years performing with soul band Brothers on the Slide.
Four things we will not do
We will not run a credit check to talk to you
An initial conversation leaves no footprint on your credit file. Searches happen later, with your permission, only if you decide to apply.
We will not recommend something because it pays us more
We are directly authorised, so no network or lender sets targets for what we sell. Our fees are fixed and disclosed before you commit to anything.
We will not pass you between departments
One named adviser sees your case through from first call to completion, with a case administrator behind them. You will always know who to ring.
We will not pretend there is no downside
Every product on this site has drawbacks. If we do not mention them, we are not advising you, we are selling to you.
The awards cabinet
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.
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
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.
We charge a fixed arrangement fee of £1,495 on completion if you wish to progress with an application for a later life mortgage or equity release product.