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Later Life Lending Proposition

Built for Advisers Who Ask the Right Questions

Because in the Lifetime Mortgage market this isn't just another product line. It's complex, regulated, and needs the right infrastructure behind you.

Full members of the Equity Release Council
2015In the market since
StrongLender relationships
WholeOf-market access
ERCCouncil member

When considering a new network, the messaging will always sound good.

"Whole of market""High commission""Specialist support"

All positive. All attractive. But the real question is:

What sits underneath the words?

Because in the Lifetime Mortgage market this requires trust, expertise and the right infrastructure behind you.

Who Are We?

Established in Lifetime Mortgages since 2015

Long before many of today's propositions existed. We didn't enter this market late, we built a reputation within it. Led by Victoria Clark, Head of Lending and a respected member of the Equity Release Council.

An award-winning and respected name across lenders
Strong, established relationships in the market
A proposition built on experience, not theory
Full members of the Equity Release Council
Active involvement in Council Committees
Dedicated vulnerability champions aligned with ERC standards
Why Use Us?

When you ask the right questions, we have real answers

Do you have true whole of market access?

Whole of market Lifetime Mortgage access with strong, established lender relationships, so you can always act in your client's best interest in line with FCA expectations.

Do you have real support, or just access?

A dual support model: our in-house support, compliance and regulation teams plus our strong working relationship with Air. Not one layer of support, but two.

Who holds compliance responsibility?

Full compliance oversight with dedicated Lifetime Mortgage specialists, robust FCA-aligned processes, structured file reviews and case support, with PI cover included. You don't carry the responsibility alone.

What Can We Offer?

Everything you need to build a compliant, scalable Lifetime Mortgage business

1

Products You Can Sell

  • Whole of market Lifetime Mortgage access
  • Strong, established lender relationships & reputation
  • Easy referral routes into mortgages, protection & general insurance
  • Support your clients holistically
2

Technology & Systems

  • Dual support model (TRM + Air)
  • Access to additional tools, training & resources
  • Pre-approved, compliant marketing materials
  • Free newsletter service
  • Backed by full network infrastructure
3

Earnings, Fees & Transparency

  • Some of the highest procuration fees in the market
  • Whole-of-market access, no restrictions
  • Strong lender relationships supporting better outcomes
  • Strong commission splits across all areas
4

Opportunities & Support

  • Dedicated Later Life Lending support team
  • Specialist file checking, supervision & development managers
  • One-to-one support to achieve CAS status
  • Full induction programme
  • Dedicated vulnerability champions
5

Regulation & Compliance

  • Full compliance oversight with dedicated Lifetime Mortgage specialists
  • Robust, FCA-aligned processes
  • Structured file reviews and case support
  • PI cover included
  • Aligned with Equity Release Council standards
6

Events

  • Ongoing CPD, workshops & events
  • Monthly coffee mornings with guest speakers
  • An annual national conference
  • Delivered both face-to-face and online
All included in your monthly fee
PI insuranceCRM & sourcing systemsFCA fees & leviesFull network support
Membership

Transparent, Fixed-Cost Membership Since 2015

Unchanged since 2015
£175/monthMortgage proposition
£150/monthAll other product areas
  • Our monthly fee has remained unchanged since the network was established in 2015
  • One simple monthly fee, with no hidden charges or unexpected costs
  • Professional Indemnity Insurance and FCA fees fully included
  • No joining fees and no exit fees
Compliance & Regulatory Strength

Full compliance oversight, you don't carry it alone

Full compliance oversight
Dedicated Lifetime Mortgage specialists
Robust, FCA-aligned processes
Structured file reviews and case support
PI cover included
Regular training events
The Bottom Line

Before joining any network, ask yourself

Ask Yourself

  • Do I have dual support, or a single layer?
  • Is it a network, or a club alone?
  • Do I have true whole of market access?
  • Is my proposition compliant and specialist?

At The Right Network

  • Dual support: in-house plus Air
  • Full network infrastructure & regulatory protection
  • Whole of market with strong lender relationships
  • A compliant, specialist Lifetime Mortgage proposition
Switching Is Easier Than You Think

Thinking about moving networks? We handle it

We Handle the Hard Work

  • Full novation support managed for you
  • Lender & provider agency transfers handled end-to-end
  • Structured onboarding with clear timelines
  • Dedicated support throughout

No Disruption, Supported All the Way

  • Continue advising your clients
  • Maintain continuity of income
  • A smooth transition onto our systems
  • A dedicated onboarding team & clear communication

Ready to build a better Lifetime Mortgage business?

You don't build a strong business on access alone. You build it on support, compliance, relationships and experience.

Start the conversation Or email us any time at info@therightmortgage.co.uk