The financial situation for seniors aged 55 and above in the UK has been getting worse in the last years, and more and more people are deciding to look for lifetime mortgages.
That’s why we’ve decided to write this article and combine the 6 best lifetime mortgage brokers in the UK. These companies combine extensive experience, comprehensive lender panels, and exceptional customer service to deliver optimal outcomes for their clients.
1. KIS Finance
KIS Finance operates as a comprehensive financial services provider with a specialized equity release division that leverages over 35 years of experience in the finance sector. The company distinguishes itself through its commitment to fee-free service, charging no broker fees for lifetime mortgage advice and instead receiving commission payments from lenders upon successful completion. This approach ensures clients receive professional guidance without additional advisory costs beyond standard product fees, making KIS Finance one of the 6 best lifetime mortgage brokers for cost-conscious consumers.
The broker maintains relationships with Equity Release Council member lenders, ensuring all recommended products include No Negative Equity Guarantees and other standard consumer protections. KIS Finance employs a structured three-stage process beginning with detailed client consultations, followed by application preparation and submission, concluding with completion arrangements. Their independent status allows them to search the whole market on behalf of clients, with access to deals that may only be available to brokers and not directly to customers.
Founded: 2008
Based in: Devon
Reviews.co.uk score: 5.0 (249)
2. Allen and Harris
Allen and Harris distinguish themselves among the 6 best lifetime mortgage brokers through their unique lifetime membership pledge: clients never pay another broker fee for mortgage advice, regardless of how many times they move or remortgage, although an administration fee applies on all mortgage applications. Their fully qualified mortgage consultants leverage source data for thousands of mortgage deals, including exclusive schemes not found on the high street, ensuring tailored recommendations based on individual circumstances.
The company emphasizes ongoing support, providing clients with regular mortgage health checks every 90 days via email, updates on base rate changes, savings alerts, and property value estimates. Buy-to-let clients benefit from portfolio review services and personalized advice when expanding or reducing property holdings. Additional lifetime membership perks include a £100 Recommend a Friend incentive, discounts on conveyancing fees, and estate agency fee reductions when using their partnered services, making Allen and Harris a comprehensive, client-focused broker.
Founded: 1966
Based in: Bedfordshire
Reviews.co.uk score: 3.1 (196)
3. Coreco Mortgages
Coreco Mortgages is a specialist mortgage brokerage firm recognized as one of the 6 best lifetime mortgage brokers for its dedicated equity release services. The company prides itself on providing impartial, whole-of-market advice tailored to the needs of older homeowners seeking to release equity safely. Coreco’s advisers are fully qualified and experienced in navigating complex cases, including those involving inheritance planning and care funding.
Coreco Mortgages offers a highly personalized service, taking time to understand each client’s financial situation, lifestyle needs, and long-term goals. They work closely with a broad panel of lenders to source competitive lifetime mortgage products with flexible features such as drawdown facilities and interest payment options. Their commitment to transparent communication and ongoing client support ensures peace of mind throughout the equity release journey.
Founded: 2009
Based in: London
Reviews.co.uk score: 5.0 (1215)
4. Fluent Money
Fluent Money is a leading independent mortgage broker that has earned its place among the 6 best lifetime mortgage brokers by combining expert advice with innovative technology solutions. Established in 2006, Fluent Money provides a seamless digital and personal advisory experience, helping clients access lifetime mortgages that suit their retirement plans and financial needs.
Their advisers are CeRER-qualified specialists who offer whole-of-market searches, ensuring clients receive competitive rates and product features. Fluent Money emphasizes clear, jargon-free guidance and supports clients throughout the process, including legal and financial planning stages. The company also offers ongoing mortgage reviews and market updates, ensuring clients remain on the best possible deal over time.
Founded: 2008
Based in: Bolton
Reviews.co.uk score: 4.9 (7720)
5. Alexander Hall Mortgages
Alexander Hall Mortgages is a boutique mortgage advisory firm recognized among the 6 best lifetime mortgage brokers for its personalized, client-centric approach. Founded by industry veterans, the company specializes in later life lending products, including lifetime mortgages, and prides itself on delivering bespoke solutions tailored to individual client circumstances.
Their advisers provide face-to-face and remote consultations, focusing on comprehensive affordability assessments and long-term planning. Alexander Hall Mortgages maintains access to a wide lender panel, including exclusive equity release products, and supports clients through every stage from initial advice to completion. Their commitment to transparency, ongoing communication, and ethical advice has earned them an excellent reputation in the market.
Founded: 1992
Based in: London
Reviews.co.uk score: 5.0 (6225)
6. Boon Brokers
Boon Brokers is a rapidly growing independent mortgage and equity release brokerage recognized as one of the 6 best lifetime mortgage brokers for its award-winning, fee-free advice model. Founded in 2003 by Michael and Gerard Boon, the firm combines high-quality advice with competitive pricing, serving thousands of clients with access to whole-of-market mortgage deals, including lifetime mortgages.
Their advisers are fully qualified and experienced in equity release, offering personalized consultations online, by phone, or in person. Boon Brokers provides a comprehensive mortgage comparison tool that allows clients to instantly compare top deals from leading lenders. The company prides itself on excellent customer service, with a strong focus on building long-term relationships and providing ongoing support throughout the mortgage lifecycle.
Founded: 2003
Based in: Suffolk
Reviews.co.uk score 5.0 (910)
