Thanks Obinna for such a thorough…
Thanks Obinna for such a thorough service. You took your time and patiently explained life insurance to me. Great service!
Later Life Lending
Helping You Make the Right Financial Decisions in Later Life
Retirement often brings shifting priorities—more comfort, family support, home improvements, debt repayment, or added security. For many over-55s, property holds much of their wealth, and later life planning explores if it could work harder for you.
At Access Financial Services, we start with you, not a product—taking a holistic approach to find what's right for you.
300+
Qualified Brokers All Across Country
20k
Satisfied Customers All Accross Country
5.0
Over 20+ years
market experience
It was very thorough and patiently…
It was very thorough and patiently session. Ensured I understand everything and he answered every question I had and reassured me and gave me a good for thou…
Professional
Nice speaking with him. Very professional in his advice and patient in answering all questions. He deserve a 6 star not just 5.
5* Mortgage Broker
True to her name Madiha is truly praiseworth. She walked through the entire process of getting a mortgage offer concisely and thoroughly. We are super happy…
Excellent Service, 100% recommend
Madiha was absolutely amazing when it came to sorting out our mortgage and talking us through the process she is extremely knowledgeable. As first time buyer…
Andrew Latto was great
Andrew Latto was great throughout our remortgage process. Very responsive and patient despite an unforeseen issue our end. Would highly recommend.
Explained each steps
Explained each steps, explored various options.
Our Mortgage Experience
Our experience from the start to the end was a top notch with Mr Gbenga Peter Olubayo. Every tiny detail was simplified and made very easy for us. He sends r…
The mortgage broker is really truthful
The mortgage broker is really truthful, honest, patient, and really amazing. She has been very professional, yet empathetic all the way.
I recently took out a protection…
I recently took out a protection policy through Access Financial Services from an Advisor Shahid, and I couldn't be happier with the experience. The advisor…
What Are Later Life Financial Solutions?
Later life financial solutions are designed specifically for homeowners aged 55 and over who are looking to improve their financial position during retirement.
These solutions can help you unlock money from your property, restructure existing borrowing or make better use of your assets, while allowing you to remain in your own home.
Every client's circumstances are different, which is why professional advice is essential. We take the time to understand your needs before exploring every suitable solution available across the market.
Watch our video to explain how Later Life works…
Release the equity locked up in your home
Discover how much tax-free cash you could unlock from the equity in your home
Our 3-Step Later Life Lending Process
01Understanding You
A free consultation followed by a full review of your finances, goals and family circumstances—so we know exactly where you stand.
02Finding the Right Solution
We explore every option before recommending the most suitable product, with independent legal advice where required.
03Delivering & Supporting You
We manage your application end-to-end and remain on hand for ongoing support.
Later Life Lending Questions
No. Our advisers explore every possible solution before recommending equity release.
With a lifetime mortgage you retain ownership of your home. With home reversion you sell a share — your adviser will explain which route suits you and what it means long term.
Many plans include inheritance protection options, allowing you to ring-fence a portion of your property's value for your beneficiaries. Your adviser will explain how this works.
Yes — many lifetime mortgages allow voluntary repayments without penalty, helping you manage the balance over time. We'll outline all flexibility options before you proceed.
The cash you release is typically tax-free, though it may affect means-tested benefits. We discuss the full implications during your consultation.
From initial consultation to completion typically takes 8–12 weeks, depending on valuations, legal work and your chosen product. We keep you updated throughout.
Trusted By 1200+ Satisfied Customers
Had life cover in place within a week. Brilliant service and they explained everything clearly without jargon.
Whole-of-market advice with a personal touch. Our team helped me find the right mortgage deal without the jargon — highly recommended.
From protection to commercial lending, Access guided us every step of the way. Professional, transparent, and always available.
