Our Advisers | RightHomes Equity Release | UK-Wide Specialist Later Life Lending Team

A Team with Broad Experience and Specialist Later Life Expertise

No two clients come to us with exactly the same priorities. Some want to understand whether a lifetime mortgage is right for them. Others need help comparing later life lending with residential remortgaging, retirement interest-only mortgages, downsizing, or other ways of funding retirement plans. That is why our team is built around varied experience across the wider home finance market, while maintaining a clear specialism in later life borrowing.

When you contact RightHomes Equity Release, you are not being passed into a generic call centre or a one-size-fits-all sales process. You are speaking to a firm that understands the differences between product types, the importance of family context, and the value of matching clients with the right adviser for their needs.

Advice Across the Whole of the UK

Our advisers support clients throughout England, Wales, Scotland and Northern Ireland, with a service designed around convenience, clarity and personal preference. For some clients, that means a face-to-face conversation in the comfort of their home. For others, it means a remote appointment by phone or video call, making advice easier to access wherever they are based.

This flexible approach means clients can receive the same careful, personal service whether they prefer traditional in-person meetings or a more convenient remote process. It also means family members can often be involved more easily in discussions when needed, even if they live elsewhere in the UK.

Face-to-face In the comfort of your home

Remote appointments By phone or video call

Map of the United Kingdom showing nationwide coverage

Experience That Goes Beyond One Corner of the Market

What makes our team strong is not just the combined 100+ years spent in financial services, but the variety of experience behind that advice. Across the RHER team, there is experience drawn from specialist equity release advice, residential mortgage advice, product development, regulated change programmes, charitable-sector financial support, business ownership, partnership development and client-facing advice at every level.

Whole-of-Market Thinking

Our advisers understand the wider mortgage landscape, not just one product type. That matters when clients need help comparing lifetime mortgages with retirement interest-only mortgages, later life mortgages, mainstream remortgaging, or other possible routes.

Real-World Later Life Expertise

Later life lending is rarely just about rates. It often involves family conversations, inheritance considerations, existing mortgage balances, property plans, affordability questions and longer-term care of vulnerable clients. Our team has extensive experience helping clients navigate these issues with sensitivity and clarity.

Practical Commercial Experience

The RHER adviser base includes people who have built businesses, led teams, created services, supported introducer relationships and worked within some of the best-known names in the sector. That breadth helps us look at problems from more than one angle.

A Team with Real Stories Behind the Advice

Clients often feel more comfortable when they know they are dealing with real people, not scripted sales voices. Our team brings together a broad mix of life experience, professional journeys and personalities, which helps make our advice practical, relatable and grounded.

An adviser meeting with clients in their home to discuss retirement options

One member of the team has spent more than two decades working across the equity release sector, with experience spanning charitable organisations, major commercial firms, product development and frontline client advice.

Another has helped build and lead businesses, bringing a practical owner's mindset to client conversations about borrowing, property and financial decision-making.

One adviser's personal adventures include motorbiking across Scandinavia: the kind of experience that reflects independence, resilience and a willingness to embrace challenge.

Across the team, there is experience in launching new services, supporting vulnerable customers, working with introducers, and helping clients through significant life-stage decisions.

Our advisers are not all cut from the same cloth, and that is exactly the point: different backgrounds help us support a wider range of clients more effectively.

A Team Informed by Experience at the Heart of the Later Life Lending Sector

RightHomes Equity Release benefits from leadership experience that reaches beyond day-to-day advice. Within the team is experience connected to the Equity Release Council's adviser-facing work, including former chair-level involvement in the Adviser Forum, ongoing participation in conduct and risk discussions, and practical input into the development of competency framework materials used by new advisers entering the sector.

That matters because it reflects more than years served. It reflects a close understanding of standards, professional development, consumer outcomes and the direction of the industry itself. For clients, it means advice shaped by people who understand not only how the market works, but how it should work.

Experience matters, but so does helping shape the standards that experience is measured against.

Why Clients Choose a Team Like Ours

For many clients, the most reassuring part of the process is knowing their enquiry is handled by a firm with enough breadth to look at the full picture, and enough specialist expertise to understand the details that matter in later life lending. Rather than being tied to one narrow route, our team can help explore the options properly and explain them in plain English.

That strength in depth also means enquiries can be allocated internally to the adviser best suited to the case, whether the client's priorities centre on equity release, retirement borrowing, mainstream mortgage needs, or a more complex combination of issues.

UK-wide service with face-to-face and remote advice options
Broad home finance knowledge, with a specialist focus on later life borrowing
A team made up of advisers with varied business and personal experience
Clear, relationship-led guidance rather than a generic sales journey
Enquiries handled centrally so the right adviser can be matched to the right case

What Clients Say About Our Advisers

We are building a broader bank of adviser-specific feedback that will be added to this page over time. Here is a selection of the kind of experience our clients can expect.

"We felt listened to from the start and never under pressure. Everything was explained clearly and at our pace."

Margaret & David Lifetime Mortgage, South East

"The advice helped us understand options we did not even know existed. We felt supported throughout the process."

John & Patricia Later Life Mortgage, Midlands

"Professional, patient and easy to deal with. The whole experience was much less daunting than we expected."

Susan Equity Release, North West

"Excellent communication from start to finish. We always felt that our circumstances were properly understood."

Robert & Anne Retirement Mortgage, Wales

"A very personal service. We came away feeling informed, reassured and confident in our decision-making."

Christine & Brian Lifetime Mortgage, Scotland

A fee may be charged for mortgage advice. The exact amount will depend on your circumstances, however will usually be: £1,495 for lifetime mortgages, £995 for complex residential and later life mortgages, and £595 for straightforward residential and later life mortgages.

The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

Ready to Explore Your Options?

If you would like to understand more about lifetime mortgages, later life lending, retirement interest-only mortgages or other home finance options, the first step is to get in touch with the RightHomes Equity Release team. From there, we can guide your enquiry to the most suitable adviser and help you understand the routes available.

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No pressure, no obligation: just a clearer starting point for understanding your options.