Later life Mortgages
Apply Mortgages
Your Specialist London Mortgage Broker
RATED
EXCELLENT
Based on 93 reviews
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Martin OluigboTrustindex verifies that the original source of the review is Google.
Absolutely outstanding service from Kaan at Apply Mortgages. Kaan has been fantastic from start to finish and I genuinely couldn’t recommend him highly enough. He helped us secure our mortgage and additional borrowing, and made what could have been a complicated and stressful process feel incredibly straightforward and easy. What really stood out was how approachable and knowledgeable Kaan was throughout. He took the time to explain everything clearly, answered all of our questions, kept us updated at every stage and made sure we understood exactly what was happening before moving forward. He went above and beyond to make sure everything was handled properly and efficiently, and we always felt that we were in safe hands. His communication was excellent and nothing ever felt like too much trouble. If you’re looking for a mortgage broker, I honestly wouldn’t hesitate to recommend Kaan and Apply Mortgages. The level of service we received was exceptional, and we are extremely grateful for all his help in getting our mortgage and additional lending sorted. Thank you Kaan for all your hard work — absolutely brilliant service from beginning to end!Posted on Google![]()
Huw O'LearyTrustindex verifies that the original source of the review is Google.
We couldn’t recommend Apply Mortgages highly enough, and in particular, Kaan. From the very beginning, Kaan has been incredibly supportive and guided us through the entire process with genuine care. He’s been exceptionally responsive and available whenever we needed him, always providing clear information and answers almost immediately. What really stood out was his ability to understand our situation and find a mortgage product that worked brilliantly for us — including an option we simply wouldn’t have been able to access ourselves. Kaan is incredibly knowledgeable, but what makes him truly exceptional is that he’s also human, approachable and genuinely invested in helping his clients. We always felt listened to, supported and in very safe hands. A huge thank you to Kaan and the entire Apply Mortgages team for making what could have been a stressful process feel so much easier. We’ll be recommending Kaan and the team 1000% to anyone looking to purchase a property or remortgage. If you’re considering using a mortgage broker, look no further!Posted on Google![]()
Cansu YirikTrustindex verifies that the original source of the review is Google.
We had an outstanding experience working with Kaan at Apply Mortgages. From start to finish, Kaan was professional, knowledgeable, and incredibly supportive throughout the entire mortgage process.Kaan genuinely went above and beyond to secure the best outcome for us, and his dedication, expertise, and attention to detail were evident throughout. We couldn’t have asked for a better service. We highly recommend Kaan and Apply Mortgages to anyone looking for a trustworthy, responsive, and highly skilled mortgage adviser. Thank you for making the whole process such a positive experience. Will continue to recommend him to friends and family. 🙏🙏🙏🙏 From: Cansu and IbrahimPosted on Google![]()
Ish AliTrustindex verifies that the original source of the review is Google.
A 10/10 experience using Apply Mortgages. From start to finish, Kaan was incredibly professional, patient, and supportive, always taking the time to explain things clearly and guide us through each stage of the process. Our case involved a few complexities along the way, but Kaan handled everything with confidence and professionalism, helping us navigate challenges smoothly and ensuring we always felt informed and reassured. His attention to detail and commitment to finding the right solution truly stood out. We genuinely felt that he had our best interests at heart throughout. We’re extremely grateful for all the hard work and would highly recommend Kaan and the firm to anyone looking for a mortgage broker.Posted on Google![]()
Jonah A RossTrustindex verifies that the original source of the review is Google.
From now on, this is the only company we will be discussing our mortgage options with. They are extremely professional and provide outstanding support whenever needed, with instant and reliable responses throughout the process.Posted on Google![]()
Sahuda KundaTrustindex verifies that the original source of the review is Google.
I had a great experience working with Kaan as my mortgage advisor. He was extremely efficient, always replied quickly, and guided me through every step with patience and professionalism. His expertise made the whole process much easier. I would definitely recommend him to anyone looking for a reliable mortgage advisor.Posted on Google![]()
Sharbelina TzouvanniTrustindex verifies that the original source of the review is Google.
Kaan was great! He broke things down for me in laymen’s terms, which I really needed! He gave me options and tailored them to my specific needs when shopping for my mortgage renewal. Would definitely recommend his services!Posted on Google![]()
Abby FunnellTrustindex verifies that the original source of the review is Google.
I have worked with Kaan for quite a few years in a professional sense and have always found him to be exceptional. I have just used him for my personal case, and found him extremely knowledgeable, responsive and offered a very quick service from mortgage in principle to offer. I would highly recommend Kaan and his team to anyone looking to get a mortgage etc- my partner and I felt completely supported throughout the whole process. Thanks again!Posted on Google![]()
Chris ConstantinouTrustindex verifies that the original source of the review is Google.
I had an excellent experience working with Kaan as my mortgage broker. I highly recommend them to anyone looking for a reliable and trustworthy mortgage broker.Posted on Google![]()
Phanos ChambiTrustindex verifies that the original source of the review is Google.
Apply Mortgages... What can i say... Excellent!!! From start to finish, they have been amazing, especially Kaan. Responsive, efficient and knowledgeable. These guys came highly recommended and will continue to recommend to everyone i know. Thanks guys !!
5-Star Rated Mortgage Broker
Later Life Mortgage Experts
Independent, Whole of Market Access
Bespoke Service and Solutions
LATER-LIFE MORTGAGES
Navigating the diverse array of Later Life and Equity Release products can be complex, particularly when seeking the optimal solution for your unique circumstances and financial goals. At Apply Mortgages, we understand that each client's situation is distinct, requiring a tailored approach to later life financial planning.
Our team of specialist advisers possesses extensive knowledge in this niche area of mortgage finance. We're here to guide you through the intricacies of Later Life and Equity Release options, ensuring you make an informed decision that aligns with your long-term objectives and current needs.
Whether you're considering downsizing, releasing equity from your property, or exploring ways to supplement your retirement income, our experts can provide clarity and direction. We offer a comprehensive overview of available products, explaining the benefits and considerations of each option in clear, jargon-free language.
HOW CAN THE RELEASED EQUITY BE USED?
Equity release and later life mortgage products offer a range of possibilities for homeowners looking to access the value tied up in their property. At Apply Mortgages, we guide our clients through the various ways they can utilise these funds:
- Provide financial support to family members*
- Upgrade to a more valuable property (with a Lifetime Mortgage)
- Finance home renovations or improvements
- Boost retirement income
- Fund travel or leisure activities
- Settle existing debts or outstanding mortgages
Releasing equity from your property can significantly enhance your lifestyle or allow you to support your loved ones financially. Our team of specialist advisers at Apply Mortgages is committed to guiding you and your family through all available options, ensuring you're fully informed at every stage of the process.
We understand that each client's situation is unique, and we take the time to thoroughly assess your circumstances, explaining the implications and benefits of each option. Our goal is to help you make an informed decision that aligns with your long-term financial objectives and current needs.
*Important Note
*Important Note: While the funds are typically released tax-free, they may be subject to taxation depending on how they are used. When considering gifting money to family members, we can discuss strategies such as Gift Inter Vivos insurance plans, which may help mitigate potential tax liabilities.
At Apply Mortgages, we're here to ensure you navigate the complexities of equity release and later life mortgages with confidence, helping you unlock the potential in your property while safeguarding your financial future.


What Type of Plans are Available?
At Apply Mortgages, we are able to offer a range of later-life mortgage and equity release products to suit your needs and individual circumstances.
Retirement Interest Only Mortgage (RIO)
A Retirement Interest Only Mortgage (RIO) is an affordability-assessed, interest-only mortgage with an open term. Borrowers are required to make monthly interest payments, and there is a risk of repossession if these payments are not maintained.
Lifetime Mortgage
A Lifetime Mortgage is the most popular method for releasing equity. Homeowners retain full ownership of their property and have the right to reside in it for life. Funds are released at a fixed rate, and payments are voluntary.
Home Reversion
Home Reversion plans involve selling a percentage of your property ownership for a cash lump sum or regular income, while retaining the right to reside in your home. You effectively become a tenant in your own home, responsible for its upkeep. This option does not incur interest as it is not a loan, but it does require the surrender of property ownership. Please note: We do not offer personalised advice regarding home reversion. The information provided is for general purposes only and does not constitute financial or professional advice.
FREE Consultations Available!
Just tap or click the button below to book a 100% FREE consultation with our Later Life Mortgage Specialist
Later Life & Equity Release Mortgage FAQ's
- Age: You must be at least 50 years old for a Lifetime Mortgage. For a Home Reversion plan, the minimum age is typically 60
- Property Ownership: You must own a property in the UK
- Property Value: Your property must be worth at least £70,000
- Mortgage Status: Any existing mortgage on the property must be cleared, either from your savings or using the equity release funds
- Property Condition: The property must be in reasonable condition and meet the lender’s valuation criteria
- Location: The property must be located in the UK
Disclaimer: a mortgage is secured against your home. Your property may be at risk and repossessed if you are not able to keep up with the repayments on your mortgage or any other debt secured on the property. Mortgage deals may not be available and lending is strictly subject to individual circumstances and status.
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Serving property owners in and around London and the South-East
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CONTACT
Telephone: 0208 529 4545
Email: [email protected]
OUR OFFICE
Meridian House
62 Station Road
Chingford, London
E4 7BA
HOURS
Monday: 9:00 AM - 6:00 PM
Tuesday: 9:00 AM - 6:00 PM
Wednesday: 9:00 AM - 6:00 PM
Thursday: 9:00 AM - 6:00 PM
Friday: 9:00 AM - 6:00 PM
Saturday: 10:00 AM - 2:00 PM
Sunday: CLOSED

