Is a RIO Mortgage
Right
for You?
It’s natural to have questions or worries. Here are some of the most common problems we hear from our clients
I’m worried I won’t be able to afford the payments
That’s a sensible concern. With a RIO mortgage, you only pay the interest each month — so your balance stays the same. We’ll check your income carefully
I don’t want to risk losing my home
As long as you keep up with the monthly interest payments, your home remains completely yours. There’s no fixed end date — the mortgage only ends when you sell, move into care, or pass away
I want to leave something for my family
Because the loan amount doesn’t increase over time, any rise in your property’s value can still form part of your estate. It’s a way to unlock funds now, while protecting future inheritance
Yes — most RIO lenders allow you to move home, provided the new property meets their criteria. We’ll help you understand what flexibility each lender offers
It all sounds a bit complicated
That’s what we’re here for. We’ll explain everything clearly, step by step, and help you make an informed choice that fits your goals and lifestyle — with no jargon
We Make RIO
Mortgages Simple
Making financial decisions later in life can feel daunting. Here’s how we help you feel confident every step of the way
We Find the Best RIO Mortgages
We are whole-of-market advisors, so compare lenders to find you the best solution.
We Guide You Through Every Step
You don’t have to figure it out alone. We explain your options in plain English and help you make the right choice.
We Handle the Whole Process for You
From paperwork to valuations, we support you in dealing with the administrative side, saving you time and hassle.
We Help You Plan for the Future
From inheritance protection to flexible repayment options, we’ll help you choose a product that fits your long-term goals and your family's needs.
Our Advice Is 100% Free
Like other advisors, we’re paid a commission by the lender – but unlike many, we don’t charge you any additional fees.
How It Works
We make it a clear, stress-free process — and we’re with you every step of the way to explain, guide, and take care of everything.
Call us, send a message, or book a time that suits you — there’s no pressure or obligation. We’ll ask a few simple questions to understand your situation and explain how a lifetime mortgage could work for you.
We’ll go through everything in a clear, online presentation — tailored to your needs. Afterwards, we’ll send a full written summary for you to read at your leisure or share with family. If you're happy to go ahead, you simply instruct us to proceed.
We’ll arrange the mortgage with the lender, handle all the legal work, and can also help you set up a Will or Power of Attorney if needed. We’ll keep you informed every step of the way — it’s all part of our fee-free, fully independent service.
What Our Customers
Say
About Us
See what our happy customers have to say about their experience with us — real stories from people we’ve helped every step of the way.
Your trusted
RIO mortgages guide
&
helping hand
We’ll explain everything clearly from how it works to what it means for your long-term plans — ensuring the solution fits your lifestyle and goals.
Schedule Your
Appointment
Booking an appointment with us is simple and completely pressure-free. Whether you’re exploring your options, have a few questions, or are ready to take the next step, we’ll guide you through everything clearly and at your own pace.
Our Office Address
Dalton House, 35 Chester St, Wrexham LL13 8AH, United Kingdom
Got Any Questions?
We’ve Got The
Answers
We’re here to make everything clear and easy to understand. From how lifetime mortgages work to what happens to your home or inheritance, we’ll explain it all in plain English, with no jargon and no pressure. Explore some of the most common questions below, and if you’d like to chat through your own situation, our friendly team is just a call away.
