As homeowners approach retirement, many find themselves property-rich but cash-poor, leading to a growing interest in lifetime mortgages as a solution to unlock home equity. The complexity of these financial products means choosing the right broker is essential for securing favorable terms and protecting your long-term interests.
The lifetime mortgage brokers are now offering more sophisticated services and access to increasingly competitive products. Whether you’re looking to supplement retirement income, fund home improvements, or provide financial gifts to family members, the right broker can make a substantial difference to the outcome.
We’ve identified the seven leading lifetime mortgage brokers in the UK, each offering distinct advantages in terms of experience, market access, and customer service excellence.
1. KIS Finance
Reviews.co.uk score: 5.0 (249)
KIS Finance has been founded in 2008 in Devon and has grown to become one of the most respected names in the equity release sector. The company operates as a comprehensive financial services provider with a specialized equity release division that leverages over 35 years of collective experience in the finance sector.
What sets KIS Finance apart is their 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 them an excellent choice for cost-conscious consumers.
The broker maintains relationships with all major Equity Release Council member lenders, ensuring all recommended products include No Negative Equity Guarantees and other standard consumer protections. Their structured three-stage process begins 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 exclusive deals not available through direct application.
2. Fluent Money
Reviews.co.uk score: 4.9 (7,720)
Fluent Money has been founded in 2008 in Bolton and has positioned itself as a leading independent mortgage broker by combining expert advice with innovative technology solutions. The company creates a seamless digital and personal advisory experience, helping clients access lifetime mortgages that align with their retirement plans and financial objectives.
Their advisers are CeRER-qualified specialists who offer whole-of-market searches, ensuring clients receive competitive rates and optimal product features for their circumstances. Fluent Money emphasizes clear, jargon-free guidance and supports clients throughout the entire process, including legal and financial planning stages that can often be complex.
The company also offers ongoing mortgage reviews and market updates, ensuring clients remain on the best possible deal over time and can adapt to changing market conditions. This long-term relationship approach sets them apart from brokers who only engage during the initial application process.
3. Coreco Mortgages
Reviews.co.uk score: 5.0 (1,215)
Coreco Mortgages has been founded in 2009 in London and has developed into a specialist mortgage brokerage firm recognized for its dedicated equity release services. The company prides itself on providing impartial, whole-of-market advice tailored specifically to the needs of older homeowners seeking to release equity safely and efficiently.
The firm’s advisers are fully qualified and experienced in navigating complex cases, including those involving inheritance planning and care funding scenarios. Coreco Mortgages offers a highly personalized service, taking considerable time to understand each client’s financial situation, lifestyle needs, and long-term goals before making recommendations.
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, with regular updates and continued availability for client queries.
4. Boon Brokers
Reviews.co.uk score: 5.0 (910)
Boon Brokers has been founded in 2003 in Suffolk by Michael and Gerard Boon and has grown into a well-known independent mortgage and equity release brokerage. The firm is recognized for its award-winning, fee-free advice model that delivers exceptional value to clients seeking lifetime mortgage solutions.
The company combines high-quality advice with competitive pricing, serving thousands of clients with access to whole-of-market mortgage deals, including comprehensive lifetime mortgage options from leading providers. Their advisers are fully qualified and experienced in equity release, offering personalized consultations online, by phone, or in person to accommodate different client preferences.
Boon Brokers provides a comprehensive mortgage comparison tool that allows clients to instantly compare top deals from leading lenders, bringing transparency to the selection process. 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 and beyond.
5. Age Partnership
Reviews.co.uk score: 4.6 (9382)
Age Partnership has been founded in 2005 in London and has grown to become the UK’s largest equity release broker, arranging one in four equity release plans across the country. The company has specialized exclusively in equity release since its inception and maintains multi-award-winning service credentials that demonstrate their market leadership.
The firm operates through both telephone and face-to-face advisory services, offering comprehensive consultation processes that include family members where appropriate. Their advisors provide detailed analysis of client circumstances, including affordability assessments, inheritance planning considerations, and care funding requirements. Age Partnership maintains access to plans from multiple leading providers including Aviva, Pure Retirement, Just Retirement, Canada Life, and Crown.
The company has achieved significant recognition in the industry, receiving accreditation as The Times Money Mentor recommended equity release broker for 2022. They maintain Investor in Customers Gold accreditation for ten consecutive years, demonstrating sustained service excellence and commitment to customer satisfaction.
6. Alexander Hall Mortgages
Reviews.co.uk score: 5.0 (6,225)
Alexander Hall Mortgages has been founded in 1992 in London by industry veterans and has built a reputation as a boutique mortgage advisory firm recognized for its personalized, client-centric approach. 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 both face-to-face and remote consultations, focusing on comprehensive affordability assessments and long-term planning strategies that consider clients’ evolving needs. Alexander Hall Mortgages maintains access to a wide lender panel, including exclusive equity release products that may not be available through other channels.
The firm supports clients through every stage from initial advice to completion, with a commitment to transparency, ongoing communication, and ethical advice that has earned them an excellent reputation in the market. Their longevity in the sector demonstrates their ability to adapt to changing market conditions while maintaining service quality.
7. Bower Retirement Services
Reviews.co.uk score: 3.8
Bower Retirement Services has been founded in 2006 across various locations and has established itself as one of the longest-standing and largest whole-of-market adviser companies in the UK lifetime mortgage sector. The company won “Best Financial Adviser” in the large adviser firm category at the 2024 Equity Release Awards, highlighting their continued market leadership position.
Bower provides personalized guidance through multiple channels including face-to-face meetings, telephone consultations, and video calls to accommodate different client preferences. Their advisors take comprehensive approaches to understanding client circumstances before providing independent recommendations. As a whole-of-market independent specialist, Bower researches the entire equity release and retirement interest-only mortgage market.
The company specializes in high-net-worth cases, which often involve more complex arrangements and higher loan amounts, requiring specialist expertise. They hold thousands of 5-star testimonials and have consistently won industry awards since their founding, including multiple recognitions at the What Mortgage Awards for “Best Equity Release Adviser” and “Best Customer Service.”