EQUITY RELEASE REDUCES YOUR ESTATE’S VALUE AND MAY AFFECT ANY MEANS-TESTED BENEFITS YOU’RE ELIGIBLE FOR. A LIFETIME MORTGAGE IS A LOAN SECURED AGAINST YOUR HOME. CHECK THAT THIS MORTGAGE WILL MEET YOUR NEEDS IF YOU WANT TO MOVE OR SELL YOUR HOME OR YOU WANT YOUR FAMILY TO INHERIT IT. IF YOU ARE IN ANY DOUBT, SEEK INDEPENDENT ADVICE.

Later Life-Lending is a trading style of Equity Release Mortgage Advice Ltd (FCA no. 725996) is an Appointed Representative of JLM Mortgage Network Ltd. which is authorised and regulated by the Financial Conduct Authority (FCA) registration number 300629. Registered office 122 Whinbush Road, Hitchin, Hertfordshire SG5 1PN. Registered company number 09856670. Registered in England & Wales

The information contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.

Should you have cause to complain, and you are not satisfied with our response to your complaint you may be able to refer it to the Financial Ombudsman Service, which can be contacted as follows: The Financial Ombudsman Service Exchange Tower, London, E14 9SR Tel: 0800 023 4567 or 0300 123 9 123 www.financial-ombudsman.org.uk

For standard Equity Release applications, a fee of £1,695 will be payable upon a mortgage offer being issued. Included in our fee is the option to create a single or mirror will. We will also be paid commission by the lender.

For Equity Release Further advance applications, a fee of £1,195 will be payable upon a mortgage offer being issued. Included in our fee is the option to create a single or mirror will. We will also be paid commission by the lender

For complex* Equity Release applications a fee of £1,950 will be payable upon a mortgage offer being issued. Included in our fee is the option to create a single or mirror will. We will also be paid commission by the lender.

*A complex case could be described as, but not limited to; Clients who have lost capacity either with Lasting Power of Attorneys or deputies appointed by the court of protection; Equity Release Purchase applications; Equity Release for divorce cases; Known problems with property or location which might lead to multiple applications

We will also be paid commission by the lender.