Later-life lending is an umbrella term for any property-backed finance aimed at the over 55s. Later-life lending includes retirement interest-only mortgages and lifetime mortgages (equity release). It offers a way for someone to stay in their home while funding other projects or passions, for example, or by paying off an interest-only mortgage.

As with all mortgages, later-life lending is a big decision that often involves the whole family. Please contact your referral partner for more information on commission rates.*



  • You’re not an expert in later-life lending.
  • A lender is not available to you directly.
  • The permissions you’ve been given through your network mean you can’t advise your client directly.
  • Your professional indemnity policy doesn’t cover later-life lending.
  • Referring your client will better help you meet consumer duty regulations.

Why refer with us

Referral Pro simplifies the referrals process, making it easy for you uncover new referral opportunities, expand your offering and help more clients achieve their financial goals. 

Each of our partners is a known industry expert, checked by us before inclusion in this service. Each operates under a contractual ‘no cross / repeat sale’ policy, protecting your business and income streams. And some are rated 'Advisers Choice' by advisers like you to reflect good experiences.