UK later-life borrowing authority

Thinking about borrowing in retirement? Here is how the options work and how to get the right advice.

Later Life Borrowing is a UK later-life borrowing and equity release authority for the over-55s. We explain and compare equity release, lifetime mortgages, retirement interest-only (RIO) mortgages and other ways to borrow in retirement, then help you get matched with an FCA-authorised adviser. We are information, not financial advice, and we are not a lender or a regulated adviser.

This site is being built. We are an independent information and introducer service. Our guides are written in plain English, with cited sources, and are clear that equity release or a lifetime mortgage reduces the value of your estate and may affect means-tested benefits. Any decision should be taken with a regulated adviser. Nothing on this site is financial advice.

UK equity release statistics Quotable figures on later-life lending, equity release lending volumes and average rates, each linked to its primary source. About Later Life Borrowing Who runs the site, how we research, how we are funded, and how to reach the editor.
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Oliver Mackman

Editor, Later Life Borrowing

Oliver leads Later Life Borrowing's editorial coverage of later-life lending. He researches and writes the plain-English explainers on equity release, lifetime mortgages, retirement interest-only (RIO) mortgages and other ways to borrow in retirement, drawing on guidance from the FCA, the Equity Release Council and MoneyHelper. He is clear that the site is information, not financial advice, and that any decision should be taken with an FCA-authorised adviser.

Last reviewed: 10 June 2026