How we are funded

Later Life Borrowing is free to read. We are an introducer, not a lender or a regulated adviser. When you choose to take advice from an FCA-authorised adviser we introduce, we may be paid a referral fee, at no extra cost to you. This never changes our editorial verdicts, and nothing on this site is financial advice.

The introducer model

Equity release, lifetime mortgages and retirement interest-only (RIO) mortgages can only be arranged through a firm authorised and regulated by the Financial Conduct Authority. We do not give advice and we do not arrange these products. What we do is explain the options and, if you ask us to, introduce you to an FCA-authorised adviser. We operate as a mere introducer: we hand you over to the regulated firm, and the advice and the product decision are theirs and yours, not ours. We may receive a referral fee from the adviser for that introduction.

Editorial independence

A commercial relationship never buys a better verdict. We base what we say on published guidance from bodies such as the FCA, the Equity Release Council and MoneyHelper, and we say plainly when borrowing in retirement may not suit you. We are clear that equity release or a lifetime mortgage reduces the value of your estate and may affect your entitlement to means-tested benefits. The advice itself is a decision for a regulated adviser, not for this site.

Who operates the site

Later Life Borrowing is operated by Best Business Loans Ltd (company number 16833937), registered with the Information Commissioner's Office under reference ZC151816. To raise a question about funding or independence, email adam@muswellrose.com.