Nearly there, just a few more questions….

AAA Report and Quote Jan 19 - 2nd stage

The maximum you could release is:

You have confirmed you are looking to release:

You have confirmed you might need:

You have confirmed you might need:

You have confirmed you have an outstanding mortgage of:
Please note this mortgage will need to be repaid from any amount you release.


Your detailed report will set out full details of how you can release cash from the equity in your home. As there are over 240 schemes on the market it can be confusing to work out which company will offer the best package to suit your requirements.

Your Time are fully independent advisers which means we can look at all the schemes from the entire market and recommend the most suitable plan at the best interest rate.

Please be assured we will not make any charges for providing this report. If you decide to proceed with any of the recommendations that we make we will charge a fixed fee of £695, ONLY on completion.

We always work on a NO COMPLETION, NO FEE basis for all our customers.

The Your Time Guarantee:

    • Fixed fees of £695 – not a percentage of the amount you release.


    • No call centres or sales calls.


    • No Completion-No Fee Guaranteed.


    • Full independent advice service.

All the money you release is 100% Tax Free

Think how you could spend it – turn you dreams into a reality

Clear your mortgage or debts

Care home or mobility costs

You want a better lifestyle

Help your family

Make home improvements

Go on a family holiday

Consider the downsides – get all the facts you need

Is it suitable for you?

Your State Benefits may be affected

The inheritance you leave will be reduced

Can you downsize in the future?

How quickly will the loan increase?

What Early Repayment Charges could apply?

Reduce costs by making voluntary payments

The main difference between a Lifetime Mortgage and a traditional mortgage is that you do not need to make any payments to a Lifetime Mortgage. Interest is charged on the amount you borrow and added to the loan on a monthly basis. This will quickly increase the amount you owe and potentially decrease the amount you can leave as an inheritance.

You can take lump sums as and when you need

The maximum amount you can release is determined by the age of the youngest applicant and the value of your property. With a Lifetime Mortgage you do not need to take the whole amount in one go and can take lump sums as and when you require.

Give Your Time a call and see what they can do for you

0800 612 5112