{"id":245685,"date":"2022-09-28T17:15:19","date_gmt":"2022-09-28T16:15:19","guid":{"rendered":"https:\/\/lbmortgageadviser.co.uk\/?page_id=245685"},"modified":"2023-12-11T09:49:33","modified_gmt":"2023-12-11T09:49:33","slug":"lifetime-mortgages","status":"publish","type":"page","link":"https:\/\/lbmortgageadviser.co.uk\/lifetime-mortgages\/","title":{"rendered":"Lifetime Mortgages Essex"},"content":{"rendered":"\n[et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” _builder_version=”4.17.4″ background_color=”#F6F6F6″ use_background_color_gradient=”on” background_color_gradient_stops=”rgba(59,74,91,0.62) 0%|rgba(59,74,91,0.62) 100%” background_color_gradient_overlays_image=”on” background_color_gradient_start=”rgba(59,74,91,0.62)” background_color_gradient_end=”rgba(59,74,91,0.62)” background_image=”https:\/\/lbmortgageadviser.co.uk\/wp-content\/uploads\/2022\/09\/Lifetime-Mortgages-Essex-header.jpg” custom_padding=”100px||67px||false|” custom_padding_tablet=”57px||0px||false” custom_padding_phone=”50px||0px||false|false” animation_style=”fade” animation_delay=”500ms” global_colors_info=”{}”][et_pb_row column_structure=”3_5,2_5″ custom_padding_last_edited=”on|phone” _builder_version=”4.17.4″ max_width=”100%” custom_padding=”60px||||false|false” custom_padding_tablet=”||||false|false” custom_padding_phone=”70px||||false|false” global_colors_info=”{}”][et_pb_column type=”3_5″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.17.4″ text_font=”||||||||” header_font=”Playfair Display||||||||” header_text_color=”#ffffff” header_font_size=”66px” animation_style=”slide” animation_direction=”right” animation_delay=”1000ms” animation_intensity_slide=”1%” header_font_size_tablet=”50px” header_font_size_phone=”50px” header_font_size_last_edited=”on|phone” global_colors_info=”{}”]

Lifetime Mortgages.<\/span><\/h1>[\/et_pb_text][\/et_pb_column][et_pb_column type=”2_5″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|tablet” admin_label=”Interior Design Page Layout” module_class=”pegasus-content08″ _builder_version=”4.23.1″ background_color=”#F6F6F6″ custom_padding=”7vh||90px||false|false” custom_padding_tablet=”40px|||” custom_padding_phone=”” collapsed=”off” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ use_custom_gutter=”on” gutter_width=”4″ custom_padding_last_edited=”on|tablet” admin_label=”Interior Design Page Layout” module_class=”reverse-columns-mobile” _builder_version=”4.17.4″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” max_width=”100%” custom_margin_tablet=”” custom_margin_phone=”-80px||” custom_margin_last_edited=”on|phone” custom_padding=”2px||0px|||” custom_padding_tablet=”||20px|” custom_padding_phone=”” custom_css_main_element=”display:flex;||justify-content:center;||align-items:center;” use_custom_width=”on” custom_width_px=”1170px” collapsed=”off” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ custom_padding=”|||” custom_css_main_element=” margin-bottom: 0;” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_cta title=”Lifetime mortgages essex” admin_label=”Welcome” _builder_version=”4.17.4″ header_font=”Lato|||on|||||” header_text_align=”left” header_text_color=”#000000″ header_font_size=”18px” header_letter_spacing=”0.3px” header_line_height=”30px” body_font=”Playfair Display||||||||” body_text_align=”left” body_text_color=”#55545e” body_font_size=”46px” body_line_height=”120%” use_background_color=”off” text_orientation=”left” background_layout=”light” max_width=”95%” max_width_tablet=”” max_width_phone=”” max_width_last_edited=”on|desktop” custom_margin=”||1px|” custom_margin_tablet=”” custom_margin_phone=”17px||” custom_margin_last_edited=”on|phone” animation_style=”slide” animation_direction=”top” animation_intensity_slide=”2%” header_font_size_tablet=”16″ header_font_size_phone=”” header_font_size_last_edited=”on|tablet” body_font_size_tablet=”30″ body_font_size_phone=”26″ body_font_size_last_edited=”on|phone” body_line_height_tablet=”130%” body_line_height_phone=”” body_line_height_last_edited=”on|tablet” custom_css_promo_description=”font-weight: 400;||margin-left: -1px;” custom_css_promo_title=”font-weight: 400;||margin-bottom: 9px;||margin-left: 1px;||” global_colors_info=”{}” button_text_size__hover_enabled=”off” button_one_text_size__hover_enabled=”off” button_two_text_size__hover_enabled=”off” button_text_color__hover_enabled=”off” button_one_text_color__hover_enabled=”off” button_two_text_color__hover_enabled=”off” button_border_width__hover_enabled=”off” button_one_border_width__hover_enabled=”off” button_two_border_width__hover_enabled=”off” button_border_color__hover_enabled=”off” button_one_border_color__hover_enabled=”off” button_two_border_color__hover_enabled=”off” button_border_radius__hover_enabled=”off” button_one_border_radius__hover_enabled=”off” button_two_border_radius__hover_enabled=”off” button_letter_spacing__hover_enabled=”off” button_one_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover_enabled=”off” button_bg_color__hover_enabled=”off” button_one_bg_color__hover_enabled=”off” button_two_bg_color__hover_enabled=”off”]

Your Local
Mortgage Expert.<\/span><\/p>[\/et_pb_cta][et_pb_text admin_label=”Wipsum dolor sit amet” _builder_version=”4.23.1″ text_font=”Lato||||||||” text_text_color=”#989bac” text_font_size=”16px” text_letter_spacing=”0.3px” text_line_height=”28px” max_width_tablet=”” max_width_phone=”” max_width_last_edited=”on|desktop” custom_margin=”9px||22px|-3px|false|false” custom_margin_tablet=”-51px||28px|0px” custom_margin_phone=”-22px||” custom_margin_last_edited=”on|phone” animation_style=”slide” animation_direction=”bottom” animation_intensity_slide=”3%” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″]

We’re your friendly, experts in Lifetime mortgages Essex based in Rayleigh, Essex.<\/strong><\/p>\n

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With more than two decades of dedicated experience in the property and mortgage sector, Lee Berry has cultivated a wealth of expertise. Throughout his extensive career, he has assisted numerous clients in the art of securing the ideal mortgage tailored to their unique needs and aspirations. What sets Lee apart is his commitment to delivering a personalised and hands-on approach to his services. This means that clients can expect a level of care and attention that goes beyond the ordinary, as Lee strives to ensure that each individual’s financial goals and homeownership dreams are not only met but exceeded. His in-depth industry knowledge and commitment to understanding his clients’ specific requirements make him a trusted advisor in the world of property financing. Whether you’re a first-time homebuyer or a seasoned property investor, Lee Berry’s seasoned expertise and personalised service will guide you towards a successful mortgage experience.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>[\/et_pb_text][et_pb_button button_url=”@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjI0NTUzOCJ9fQ==@” button_text=”Contact us” _builder_version=”4.23.1″ _dynamic_attributes=”button_url” custom_button=”on” button_text_size=”13px” button_text_color=”#FFFFFF” button_font=”Lato|||on|||||” hover_enabled=”0″ global_colors_info=”{}” button_bg_color=”#1198a5″ button_bg_enable_color=”on” custom_padding=”16px|29px|16px|29px|true|true” button_border_width=”0px” button_border_radius=”1px” sticky_enabled=”0″][\/et_pb_button][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ custom_padding=”45px|||” custom_padding_tablet=”20px|||” custom_padding_phone=”” custom_padding_last_edited=”on|tablet” custom_css_main_element=” margin-bottom: 0;” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_image src=”https:\/\/lbmortgageadviser.co.uk\/wp-content\/uploads\/2022\/09\/Lifetime-Mortgages-Essex.jpg” title_text=”Lifetime Mortgages Essex” disabled_on=”on|on|off” _builder_version=”4.17.4″ min_height=”590px” custom_margin=”||||false|false” custom_margin_tablet=”” custom_margin_phone=”0px||” custom_margin_last_edited=”on|phone” custom_css_main_element=”object-fit:cover;” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.23.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.23.1″ _module_preset=”default” custom_css_main_element=”display:flex;||justify-content:center;||align-items:center;” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.23.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/lbmortgageadviser.co.uk\/wp-content\/uploads\/2023\/11\/AdobeStock_302145695-scaled.jpeg” title_text=”Happy romantic senior couple hugging and enjoying retirement at home” _builder_version=”4.23.1″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.23.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.23.1″ _module_preset=”default” header_2_font=”Playfair Display||||||||” header_2_font_size=”36px” global_colors_info=”{}”]

What is a lifetime mortgage?<\/span><\/h2>[\/et_pb_text][et_pb_text admin_label=”Wipsum dolor sit amet” _builder_version=”4.17.4″ text_font=”Lato||||||||” text_text_color=”#989bac” text_font_size=”16px” text_letter_spacing=”0.3px” text_line_height=”28px” max_width_tablet=”” max_width_phone=”” max_width_last_edited=”on|desktop” custom_margin=”9px||22px|-3px|false|false” custom_margin_tablet=”-51px||28px|0px” custom_margin_phone=”-22px||” custom_margin_last_edited=”on|phone” animation_style=”slide” animation_direction=”bottom” animation_intensity_slide=”3%” locked=”off” global_colors_info=”{}”]

A lifetime mortgage is actually one of the most popular forms of equity release which enables you to continue to own your home in full, whilst also releasing a lump sum of tax-free cash against the property value.<\/p>\n

There is no requirement to make any monthly repayments as this is all repaid including the interest when you die, move into long-term care or permanently leave the property.<\/p>\n

A lifetime mortgage is secured against your property. To understand the features and risks ask for a personalised illustration.<\/u><\/u><\/p>\n

Equity release requires paying off any existing mortgage. Any money released, plus accrued interest would be repaid upon death, or moving into long-term care.<\/p>[\/et_pb_text][et_pb_button button_url=”@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjI0NTUzOCJ9fQ==@” button_text=”Contact us” _builder_version=”4.23.1″ _dynamic_attributes=”button_url” custom_button=”on” button_text_size=”13px” button_text_color=”#FFFFFF” button_font=”Lato|||on|||||” hover_enabled=”0″ global_colors_info=”{}” button_bg_color=”#1198a5″ button_bg_enable_color=”on” custom_padding=”16px|29px|16px|29px|true|true” button_border_width=”0px” button_border_radius=”1px” sticky_enabled=”0″ locked=”off”][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|tablet” module_class=”pegasus-content08″ _builder_version=”4.23.1″ _module_preset=”default” background_color=”#303847″ custom_padding=”10vh||110px||false|false” custom_padding_tablet=”40px|||” custom_padding_phone=”40px|||” global_colors_info=”{}”][et_pb_row _builder_version=”4.17.4″ _module_preset=”default” locked=”off” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.17.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.23.1″ _module_preset=”default” header_2_font=”Playfair Display||||||||” header_2_text_color=”#FFFFFF” header_2_font_size=”45px” global_colors_info=”{}”]

The benefits of a lifetime mortgage.<\/span><\/h2>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ custom_padding_last_edited=”on|phone” _builder_version=”4.17.4″ _module_preset=”default” background_color=”#FFFFFF” custom_padding=”56px|50px|42px|50px|false|true” custom_padding_tablet=”56px||42px|||” custom_padding_phone=”0px||” border_radii=”on|10px|10px|10px|10px” box_shadow_style=”preset1″ locked=”off” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.17.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb use_icon=”on” font_icon=”||divi||400″ icon_color=”#0095a2″ icon_placement=”left” _builder_version=”4.23.1″ _module_preset=”default” body_font=”Lato|700|||||||” body_text_color=”#004251″ body_font_size=”17px” custom_margin=”0px||20px||false|false” global_colors_info=”{}”]

Plans are available from the age of 55<\/p>[\/et_pb_blurb][et_pb_blurb use_icon=”on” font_icon=”||divi||400″ icon_color=”#0095a2″ icon_placement=”left” _builder_version=”4.17.4″ _module_preset=”default” body_font=”Lato|700|||||||” body_text_color=”#004251″ body_font_size=”17px” custom_margin=”0px||20px||false|false” locked=”off” global_colors_info=”{}”]

Tax-free release and can be used to achieve goals<\/p>[\/et_pb_blurb][et_pb_blurb use_icon=”on” font_icon=”||divi||400″ icon_color=”#0095a2″ icon_placement=”left” _builder_version=”4.17.4″ _module_preset=”default” body_font=”Lato|700|||||||” body_text_color=”#004251″ body_font_size=”17px” custom_margin=”0px||20px||false|false” locked=”off” global_colors_info=”{}”]

No monthly repayments with a lifetime mortgage<\/p>[\/et_pb_blurb][et_pb_blurb use_icon=”on” font_icon=”||divi||400″ icon_color=”#0095a2″ icon_placement=”left” _builder_version=”4.17.4″ _module_preset=”default” body_font=”Lato|700|||||||” body_text_color=”#004251″ body_font_size=”17px” custom_margin=”0px||20px||false|false” locked=”off” global_colors_info=”{}”]

The \u2018no-negative-equity\u2019 guarantee ensures that you never pass on debt to your estate<\/p>[\/et_pb_blurb][et_pb_blurb use_icon=”on” font_icon=”||divi||400″ icon_color=”#0095a2″ icon_placement=”left” _builder_version=”4.17.4″ _module_preset=”default” body_font=”Lato|700|||||||” body_text_color=”#004251″ body_font_size=”17px” custom_margin=”0px||20px||false|false” locked=”off” global_colors_info=”{}”]

Lifetime mortgage plans allow you to protect a percentage of your property’s value. This allows your family to inherit a part of the property value<\/p>[\/et_pb_blurb][et_pb_blurb use_icon=”on” font_icon=”||divi||400″ icon_color=”#0095a2″ icon_placement=”left” _builder_version=”4.17.4″ _module_preset=”default” body_font=”Lato|700|||||||” body_text_color=”#004251″ body_font_size=”17px” custom_margin=”0px||10px||false|false” locked=”off” global_colors_info=”{}”]

No more monthly repayments on your mortgage as this is paid off when you are no longer in the property.<\/p>[\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.17.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb use_icon=”on” font_icon=”||divi||400″ icon_color=”rgba(153,158,163,0.62)” icon_placement=”left” _builder_version=”4.17.4″ _module_preset=”default” body_font=”Lato|700|||||||” body_text_color=”#004251″ body_font_size=”17px” custom_margin=”0px||20px||false|false” locked=”off” global_colors_info=”{}”]

The size of your lifetime mortgage will increase over time. This is due to interest being applied to your original loan amount and continuing to roll up as future interest in accrued.<\/p>[\/et_pb_blurb][et_pb_blurb use_icon=”on” font_icon=”||divi||400″ icon_color=”rgba(153,158,163,0.62)” icon_placement=”left” _builder_version=”4.17.4″ _module_preset=”default” body_font=”Lato|700|||||||” body_text_color=”#004251″ body_font_size=”17px” custom_margin=”0px||20px||false|false” locked=”off” global_colors_info=”{}”]

Should you want to increase your amount of equity released beyond the original amount agreed, you would usually have to apply for a further advance, which would not be guaranteed.<\/p>[\/et_pb_blurb][et_pb_blurb use_icon=”on” font_icon=”||divi||400″ icon_color=”rgba(153,158,163,0.62)” icon_placement=”left” _builder_version=”4.17.4″ _module_preset=”default” body_font=”Lato|700|||||||” body_text_color=”#004251″ body_font_size=”17px” custom_margin=”0px||20px||false|false” locked=”off” global_colors_info=”{}”]

Your tax position and eligibility of which means-tested benefits could be affected going forward and could impact on your options for moving or selling your home in the future<\/p>[\/et_pb_blurb][et_pb_blurb use_icon=”on” font_icon=”||divi||400″ icon_color=”rgba(153,158,163,0.62)” icon_placement=”left” _builder_version=”4.17.4″ _module_preset=”default” body_font=”Lato|700|||||||” body_text_color=”#004251″ body_font_size=”17px” custom_margin=”0px||20px||false|false” locked=”off” global_colors_info=”{}”]

The amount that you will leave as an inheritance will be reduced.<\/p>[\/et_pb_blurb][et_pb_blurb use_icon=”on” font_icon=”||divi||400″ icon_color=”rgba(153,158,163,0.62)” icon_placement=”left” _builder_version=”4.17.4″ _module_preset=”default” body_font=”Lato|700|||||||” body_text_color=”#004251″ body_font_size=”17px” custom_margin=”0px||20px||false|false” locked=”off” global_colors_info=”{}”]

You can pay off your equity release plan early, however you may have to pay an early repayment charge. These differ depending on the plan.<\/p>[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ custom_padding_last_edited=”on|phone” _builder_version=”4.16″ custom_padding=”44px||4px|||” custom_padding_tablet=”” custom_padding_phone=”29px||” saved_tabs=”all” locked=”off” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_blurb title=”20 Years Experience” use_icon=”on” font_icon=”||divi||400″ icon_color=”#0A93A1″ icon_placement=”left” _builder_version=”4.23.1″ header_font=”Playfair Display||||||||” header_text_color=”#FFFFFF” header_font_size=”26px” header_line_height=”1.2em” animation_style=”fade” global_colors_info=”{}”][\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_blurb title=”Local Essex Expert” use_icon=”on” font_icon=”||divi||400″ icon_color=”#0A93A1″ icon_placement=”left” _builder_version=”4.23.1″ header_font=”Playfair Display||||||||” header_text_color=”#FFFFFF” header_font_size=”26px” header_line_height=”1.2em” animation_style=”fade” animation_delay=”500ms” global_colors_info=”{}”][\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_blurb title=”Friendly & Reliable” use_icon=”on” font_icon=”w||divi||400″ icon_color=”#0A93A1″ icon_placement=”left” _builder_version=”4.23.1″ header_font=”Playfair Display||||||||” header_text_color=”#FFFFFF” header_font_size=”26px” header_line_height=”1.2em” animation_style=”fade” animation_delay=”1000ms” global_colors_info=”{}”][\/et_pb_blurb][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Rated Testimonial Module” module_class=”pegasus-tstm6″ _builder_version=”4.16″ custom_margin=”||” custom_margin_tablet=”0px||” custom_margin_phone=”” custom_margin_last_edited=”on|tablet” custom_padding=”0%||1%|||” collapsed=”on” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ custom_padding=”47px||3px|||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_cta admin_label=”Welcome” _builder_version=”4.16″ header_font=”Lato|||on|||||” header_text_align=”left” header_text_color=”#000000″ header_font_size=”18px” header_letter_spacing=”0.3px” header_line_height=”30px” body_font=”Playfair Display||||||||” body_text_align=”left” body_text_color=”#55545e” body_font_size=”37px” body_line_height=”120%” use_background_color=”off” text_orientation=”left” background_layout=”light” max_width=”95%” max_width_tablet=”” max_width_phone=”” max_width_last_edited=”on|desktop” custom_margin=”||1px|” animation_style=”fade” header_font_size_tablet=”16″ header_font_size_phone=”” header_font_size_last_edited=”on|tablet” body_font_size_tablet=”30″ body_font_size_phone=”26″ body_font_size_last_edited=”on|phone” body_line_height_tablet=”130%” body_line_height_phone=”” body_line_height_last_edited=”on|tablet” custom_css_promo_description=”font-weight: 400;||margin-left: -1px;” custom_css_promo_title=”font-weight: 400;||margin-bottom: 9px;||margin-left: 1px;||” global_colors_info=”{}” button_text_size__hover_enabled=”off” button_one_text_size__hover_enabled=”off” button_two_text_size__hover_enabled=”off” button_text_color__hover_enabled=”off” button_one_text_color__hover_enabled=”off” button_two_text_color__hover_enabled=”off” button_border_width__hover_enabled=”off” button_one_border_width__hover_enabled=”off” button_two_border_width__hover_enabled=”off” button_border_color__hover_enabled=”off” button_one_border_color__hover_enabled=”off” button_two_border_color__hover_enabled=”off” button_border_radius__hover_enabled=”off” button_one_border_radius__hover_enabled=”off” button_two_border_radius__hover_enabled=”off” button_letter_spacing__hover_enabled=”off” button_one_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover_enabled=”off” button_bg_color__hover_enabled=”off” button_one_bg_color__hover_enabled=”off” button_two_bg_color__hover_enabled=”off”]

Why People Use Us.<\/span><\/p>[\/et_pb_cta][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ use_custom_gutter=”on” gutter_width=”2″ make_equal=”on” custom_padding_last_edited=”on|phone” admin_label=”Rated Testimonial Module” _builder_version=”4.16″ max_width=”1175px” custom_margin=”|||” custom_padding=”1.1%||4.2%|||” custom_padding_tablet=”5%||0px|” custom_padding_phone=”0px||” use_custom_width=”on” custom_width_px=”1175px” collapsed=”on” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_testimonial author=”Karen S.” quote_icon=”off” portrait_width=”70px” portrait_height=”70px” admin_label=”Rated Testimonial Module 1 – Image 70 x 70 pixels” _builder_version=”4.16″ body_font=”Lato||||||||” body_text_align=”left” body_text_color=”#989bac” body_font_size=”16px” body_letter_spacing=”0.3px” body_line_height=”28px” background_color=”#ffffff” max_width=”532px” max_width_tablet=”” max_width_phone=”100%” max_width_last_edited=”on|phone” module_alignment=”right” custom_margin=”|||” custom_padding=”33px|79px|57px|50px||” animation_style=”slide” animation_direction=”left” animation_delay=”500ms” animation_intensity_slide=”2%” custom_css_main_element=”overflow: visible;” custom_css_testimonial_portrait=”box-shadow: 7.5px 12.99px 30px 0px rgba(235, 238, 244, 0.4);|||||| top: -35px;|| left: -33px;|| border-radius: 50%;|| overflow: hidden;|| margin: 0;|| position: absolute;” custom_css_testimonial_description=” margin-left: 0 !important;” custom_css_testimonial_author=”font-family: Lato;||font-size: 18px;||font-weight: 600;||color: #000 !important;||line-height: 30px;||letter-spacing: 0.2px;|| margin-top: 0 !important;||margin-bottom: 24px;” border_radii=”on|5px|5px|5px|5px” box_shadow_style=”preset1″ box_shadow_vertical=”30px” box_shadow_blur=”70px” box_shadow_color=”#e9edf2″ global_colors_info=”{}”]

\u201cLee was instrumental in helping us get our last mortgage. We weren\u2019t sure if we could even get a mortgage as we had a few problems in the past however Lee knew exactly which lender to go to and got the deal through. I cannot recommend Lee highly enough\u201d<\/span><\/p>[\/et_pb_testimonial][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_testimonial author=”Vanessa W.” quote_icon=”off” portrait_width=”70px” portrait_height=”70px” admin_label=”Rated Testimonial Module 2 – Image 70 x 70 pixels” _builder_version=”4.16″ body_font=”Lato||||||||” body_text_align=”left” body_text_color=”#989bac” body_font_size=”16px” body_letter_spacing=”0.3px” body_line_height=”28px” background_color=”#ffffff” max_width=”532px” max_width_tablet=”” max_width_phone=”100%” max_width_last_edited=”on|phone” module_alignment=”right” custom_margin=”|||” custom_margin_tablet=”” custom_margin_phone=”-37px||” custom_margin_last_edited=”on|desktop” custom_padding=”33px|79px|0px|50px||” animation_style=”slide” animation_direction=”right” animation_delay=”1000ms” animation_intensity_slide=”2%” custom_css_main_element=”overflow: visible;” custom_css_testimonial_portrait=”box-shadow: 7.5px 12.99px 30px 0px rgba(235, 238, 244, 0.4);|||||| top: -35px;|| left: -33px;|| border-radius: 50%;|| overflow: hidden;|| margin: 0;|| position: absolute;” custom_css_testimonial_description=” margin-left: 0 !important;||padding-bottom:55px!important;” custom_css_testimonial_author=”font-family: Lato;||font-size: 18px;||font-weight: 600;||color: #000 !important;||line-height: 30px;||letter-spacing: 0.2px;|| margin-top: 0 !important;||margin-bottom: 24px;” border_radii=”on|5px|5px|5px|5px” box_shadow_style=”preset1″ box_shadow_vertical=”30px” box_shadow_blur=”70px” box_shadow_color=”#e9edf2″ locked=”off” global_colors_info=”{}”]

“Highly recommended. Lee helped us get a mortgage when we thought we had exhausted all options elsewhere. After being declined several times by other lenders, Lee was able to help us get the mortgage we wanted straight away and with minimal fuss.”<\/p>[\/et_pb_testimonial][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|tablet” admin_label=”Interior Design Page Layout” module_class=”pegasus-content09″ _builder_version=”4.16″ background_color=”#F6F6F6″ custom_padding=”7.8vh||2.8vh|||” custom_padding_tablet=”40px||0px|” custom_padding_phone=”” collapsed=”on” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_4,1_4″ use_custom_gutter=”on” gutter_width=”2″ custom_padding_last_edited=”on|tablet” admin_label=”Interior Design Page Layout” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” max_width=”1170px” custom_margin=”|||” custom_padding=”||27px|||” custom_padding_tablet=”||20px|” custom_padding_phone=”” use_custom_width=”on” custom_width_px=”1170px” collapsed=”on” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ custom_padding=”|||” custom_css_main_element=” margin-bottom: 0 !important;” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_cta title=”Over 20 years of experience in the mortgage and property industry.” admin_label=”We are a full service design firm” _builder_version=”4.23.1″ header_font=”Playfair Display||||||||” header_text_align=”left” header_text_color=”#000000″ header_font_size=”30px” header_letter_spacing=”0.001px” header_line_height=”40px” body_font=”Lato||||||||” body_text_align=”left” body_text_color=”#757a90″ body_font_size=”16px” body_letter_spacing=”0.4px” body_line_height=”28px” background_color=”rgba(246,246,246,0)” text_orientation=”left” custom_margin=”|||” custom_padding=”0px|||0px” custom_padding_tablet=”0px|0px|20px|0px” custom_padding_phone=”” custom_padding_last_edited=”on|tablet” hover_enabled=”0″ custom_css_promo_description=”max-width: 474px;||font-weight: 400;||margin-left: 2px;” custom_css_promo_title=”max-width: 432px;||font-weight: 400;||margin-bottom: 10px;||margin-left: -2px;” global_colors_info=”{}” button_text_size__hover_enabled=”off” button_one_text_size__hover_enabled=”off” button_two_text_size__hover_enabled=”off” button_text_color__hover_enabled=”off” button_one_text_color__hover_enabled=”off” button_two_text_color__hover_enabled=”off” button_border_width__hover_enabled=”off” button_one_border_width__hover_enabled=”off” button_two_border_width__hover_enabled=”off” button_border_color__hover_enabled=”off” button_one_border_color__hover_enabled=”off” button_two_border_color__hover_enabled=”off” button_border_radius__hover_enabled=”off” button_one_border_radius__hover_enabled=”off” button_two_border_radius__hover_enabled=”off” button_letter_spacing__hover_enabled=”off” button_one_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover_enabled=”off” button_bg_color__hover_enabled=”off” button_one_bg_color__hover_enabled=”off” button_two_bg_color__hover_enabled=”off” sticky_enabled=”0″]

Lee Berry has vast amount of experience working within the house buying and selling process. Selling and buying a property can be one of the most stressful things you will ever do. Having an expert on hand will help you through the tricky process and help you to avoid the pitfalls on the way.<\/p>[\/et_pb_cta][et_pb_button button_url=”@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjI0NTUzOCJ9fQ==@” button_text=”Contact us” _builder_version=”4.23.1″ _dynamic_attributes=”button_url” custom_button=”on” button_text_size=”13px” button_text_color=”#FFFFFF” button_font=”Lato|||on|||||” hover_enabled=”0″ global_colors_info=”{}” button_bg_color=”#1198a5″ button_bg_enable_color=”on” custom_padding=”16px|29px|16px|29px|true|true” button_border_width=”0px” button_border_radius=”1px” sticky_enabled=”0″ locked=”off”][\/et_pb_button][\/et_pb_column][et_pb_column type=”1_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_cta title=”Location” admin_label=”What We Do” _builder_version=”4.16″ header_font=”Roboto|700|||||||” header_text_align=”left” header_text_color=”#181b31″ header_font_size=”20px” header_letter_spacing=”0.5px” header_line_height=”24px” body_font=”Lato||||||||” body_text_align=”left” body_text_color=”#989bac” body_font_size=”16px” body_letter_spacing=”0.3px” body_line_height=”28px” use_background_color=”off” text_orientation=”left” background_layout=”light” custom_css_promo_description=”font-weight: 400;||margin-left: -3px;” custom_css_promo_title=”font-weight: 400;||margin-bottom: 20px;||margin-left: 0px;” global_colors_info=”{}” button_text_size__hover_enabled=”off” button_one_text_size__hover_enabled=”off” button_two_text_size__hover_enabled=”off” button_text_color__hover_enabled=”off” button_one_text_color__hover_enabled=”off” button_two_text_color__hover_enabled=”off” button_border_width__hover_enabled=”off” button_one_border_width__hover_enabled=”off” button_two_border_width__hover_enabled=”off” button_border_color__hover_enabled=”off” button_one_border_color__hover_enabled=”off” button_two_border_color__hover_enabled=”off” button_border_radius__hover_enabled=”off” button_one_border_radius__hover_enabled=”off” button_two_border_radius__hover_enabled=”off” button_letter_spacing__hover_enabled=”off” button_one_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover_enabled=”off” button_bg_color__hover_enabled=”off” button_one_bg_color__hover_enabled=”off” button_two_bg_color__hover_enabled=”off”]

Based in Rayleigh, Essex, can offer home visits, evening and weekend appointments if required to clients in the South Essex areas.<\/p>\n

For clients outside the Essex area, telephone appointments are available.<\/p>[\/et_pb_cta][\/et_pb_column][et_pb_column type=”1_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_cta title=”Our Service” admin_label=”Our People” _builder_version=”4.16″ header_font=”Roboto|700|||||||” header_text_align=”left” header_text_color=”#181b31″ header_font_size=”20px” header_letter_spacing=”0.5px” header_line_height=”24px” body_font=”Lato||||||||” body_text_align=”left” body_text_color=”#989bac” body_font_size=”16px” body_letter_spacing=”0.3px” body_line_height=”28px” use_background_color=”off” text_orientation=”left” background_layout=”light” custom_margin=”|||-1px” custom_padding=”|||” custom_css_promo_description=”font-weight: 400;||margin-left: -3px;” custom_css_promo_title=”font-weight: 400;||margin-bottom: 20px;||margin-left: 0px;” locked=”off” global_colors_info=”{}” button_text_size__hover_enabled=”off” button_one_text_size__hover_enabled=”off” button_two_text_size__hover_enabled=”off” button_text_color__hover_enabled=”off” button_one_text_color__hover_enabled=”off” button_two_text_color__hover_enabled=”off” button_border_width__hover_enabled=”off” button_one_border_width__hover_enabled=”off” button_two_border_width__hover_enabled=”off” button_border_color__hover_enabled=”off” button_one_border_color__hover_enabled=”off” button_two_border_color__hover_enabled=”off” button_border_radius__hover_enabled=”off” button_one_border_radius__hover_enabled=”off” button_two_border_radius__hover_enabled=”off” button_letter_spacing__hover_enabled=”off” button_one_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover_enabled=”off” button_bg_color__hover_enabled=”off” button_one_bg_color__hover_enabled=”off” button_two_bg_color__hover_enabled=”off”]

A service designed for people that want a personal and on-hand service. Available at all times to find the best mortgage deal available but also to help throughout the whole process, whether it be a remortgage, buy to let or home moving process.<\/span><\/p>[\/et_pb_cta][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ disabled_on=”off|off|off” _builder_version=”4.23.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.17.4″ _module_preset=”default” header_3_font=”Playfair Display||||||||” global_colors_info=”{}”]

Frequently Asked Questions about Lifetime Mortgages<\/h3>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_toggle title=”What is a lifetime mortgage?” icon_color=”#0C94A1″ open_icon_color=”#0C94A1″ _builder_version=”4.23.1″ _module_preset=”default” title_font=”Playfair Display||||||||” custom_margin=”||8px|||” global_colors_info=”{}”]A lifetime mortgage is a form of equity release scheme that allows homeowners aged 55 or older to borrow money against the value of their home, with the loan being repaid, along with interest, when the homeowner either sells the property or passes away.[\/et_pb_toggle][et_pb_toggle title=”How does a lifetime mortgage work?” icon_color=”#0C94A1″ open_icon_color=”#0C94A1″ _builder_version=”4.23.1″ _module_preset=”default” title_font=”Playfair Display||||||||” locked=”off” global_colors_info=”{}”]With a lifetime mortgage, you can typically borrow a lump sum or receive regular payments while retaining ownership of your home. Interest accrues on the loan amount, but you don’t have to make monthly repayments. The loan, plus interest, is repaid from the sale of your home when your property is sold.[\/et_pb_toggle][et_pb_toggle title=”How much can I borrow with a lifetime mortgage?” icon_color=”#0C94A1″ open_icon_color=”#0C94A1″ _builder_version=”4.23.1″ _module_preset=”default” title_font=”Playfair Display||||||||” custom_margin=”-20px||||false|false” locked=”off” global_colors_info=”{}”]The amount you can borrow depends on factors like your age, the value of your property, and the specific terms of the lifetime mortgage product. Generally, the older you are and the higher your property’s value, the more you can borrow.[\/et_pb_toggle][et_pb_toggle title=”Can I move house if I have a lifetime mortgage?” icon_color=”#0C94A1″ open_icon_color=”#0C94A1″ _builder_version=”4.23.1″ _module_preset=”default” title_font=”Playfair Display||||||||” custom_margin=”-20px||||false|false” locked=”off” global_colors_info=”{}”]Some lifetime mortgage products are portable, allowing you to move to a new property as long as it meets the lender’s criteria. However, this can be more complex and may require additional borrowing or repayment if the new property is of higher value.[\/et_pb_toggle][et_pb_toggle title=”Can I pay off a lifetime mortgage early?” icon_color=”#0C94A1″ open_icon_color=”#0C94A1″ _builder_version=”4.23.1″ _module_preset=”default” title_font=”Playfair Display||||||||” custom_margin=”-20px||||false|false” locked=”off” global_colors_info=”{}”]Some lifetime mortgage products allow you to repay the loan early, but this may come with early repayment charges. Be sure to check the terms and conditions of your specific product.[\/et_pb_toggle][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_toggle title=”What are the interest rates on lifetime mortgages?” icon_color=”#0C94A1″ open_icon_color=”#0C94A1″ _builder_version=”4.23.1″ _module_preset=”default” title_font=”Playfair Display||||||||” custom_margin=”||8px|||” locked=”off” global_colors_info=”{}”]Interest rates on lifetime mortgages can vary widely depending on the lender and the type of product you choose. Some lifetime mortgages offer fixed interest rates, while others offer variable rates. It’s essential to compare different products and we are able to help you find the best deal for your situation.[\/et_pb_toggle][et_pb_toggle title=”Are there any eligibility criteria?” icon_color=”#0C94A1″ open_icon_color=”#0C94A1″ _builder_version=”4.23.1″ _module_preset=”default” title_font=”Playfair Display||||||||” custom_margin=”||8px|||” locked=”off” global_colors_info=”{}”]Typically, you must be at least 55 years old and own a property in the UK to be eligible for a lifetime mortgage. Lenders may also have specific criteria regarding the type and condition of the property.[\/et_pb_toggle][et_pb_toggle title=”What are the risks associated with lifetime mortgages?” icon_color=”#0C94A1″ open_icon_color=”#0C94A1″ _builder_version=”4.23.1″ _module_preset=”default” title_font=”Playfair Display||||||||” custom_margin=”||8px|||” locked=”off” global_colors_info=”{}”]Lifetime mortgages can be expensive in the long run due to the compound interest that accrues. If you don’t carefully manage the loan, it can eat into the equity of your property over time. It’s important to understand the potential impact on your inheritance and consider other options.[\/et_pb_toggle][et_pb_toggle title=”What happens when I die or move into long-term care?” icon_color=”#0C94A1″ open_icon_color=”#0C94A1″ _builder_version=”4.23.1″ _module_preset=”default” title_font=”Playfair Display||||||||” custom_margin=”||8px|||” locked=”off” global_colors_info=”{}”]When you pass away or move into long-term care, your home is typically sold to repay the lifetime mortgage, including any accrued interest. Any remaining equity is usually passed on to your beneficiaries as an inheritance.[\/et_pb_toggle][et_pb_toggle title=”Should I get financial advice before taking out a lifetime mortgage?” icon_color=”#0C94A1″ open_icon_color=”#0C94A1″ _builder_version=”4.23.1″ _module_preset=”default” title_font=”Playfair Display||||||||” custom_margin=”||8px|||” locked=”off” global_colors_info=”{}”]Yes, it’s strongly recommended to seek independent financial advice before considering a lifetime mortgage. A financial advisor can help you understand your options, assess your financial situation, and determine if a lifetime mortgage is the right choice for you.[\/et_pb_toggle][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.23.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.23.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.23.1″ _module_preset=”default” text_font_size=”12px” global_colors_info=”{}”]

A lifetime mortgage will be secured against your home. Equity release products are limited to lifetime mortgages only and does not include home reversion schemes. Think carefully before securing other debts against your home.<\/span><\/p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ disabled_on=”off|off|off” _builder_version=”4.16″ custom_padding=”38px||51px|||” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ custom_margin=”-14px|auto||auto||” custom_padding=”||2px|||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.16″ header_font=”||||||||” header_3_font=”Playfair Display||||||||” header_3_font_size=”30px” global_colors_info=”{}”]

Other Services<\/h3>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ use_custom_gutter=”on” gutter_width=”2″ _builder_version=”4.17.4″ global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_image src=”https:\/\/lbmortgageadviser.co.uk\/wp-content\/uploads\/2019\/06\/Mortgage-Advice.jpg” alt=”Mortgage Advice” title_text=”Mortgage Advice” url=”@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjI0NTY0OCJ9fQ==@” _builder_version=”4.17.4″ _dynamic_attributes=”url” animation_style=”fade” animation_delay=”1500ms” border_radii=”on|14px|14px|14px|14px” locked=”off” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_image src=”https:\/\/lbmortgageadviser.co.uk\/wp-content\/uploads\/2019\/06\/Remortgage-Advice.jpg” alt=”Remortgage Advice” title_text=”Remortgage Advice” url=”@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjI0NTY1OCJ9fQ==@” _builder_version=”4.17.4″ _dynamic_attributes=”url” animation_style=”fade” border_radii=”on|14px|14px|14px|14px” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_image src=”https:\/\/lbmortgageadviser.co.uk\/wp-content\/uploads\/2021\/06\/Buy-To-Let.jpeg” title_text=”Buy-To-Let” url=”https:\/\/lbmortgageadviser.co.uk\/buy-to-let\/” _builder_version=”4.23.1″ animation_style=”fade” animation_delay=”500ms” border_radii=”on|14px|14px|14px|14px” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” _builder_version=”3.26.6″ custom_padding=”0px||0px||false|false” custom_padding_tablet=”” custom_padding_phone=”|||0px” global_module=”244871″ saved_tabs=”all” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ use_custom_gutter=”on” gutter_width=”1″ make_equal=”on” padding_top_bottom_link_1=”true” padding_top_bottom_link_2=”true” _builder_version=”4.16″ width=”100%” max_width=”100%” custom_padding=”0px||0px|||” global_colors_info=”{}” background_color_1__hover_enabled=”on” background_color_1__hover=”#54b2b7″ background_color_2__hover_enabled=”on” background_color_2__hover=”#009aa8″][et_pb_column type=”1_2″ module_class=”vertical-align blurb_click” _builder_version=”4.16″ background_color=”#00A3B0″ custom_padding=”31px||31px||true|false” link_option_url=”#popup1″ global_colors_info=”{}” background_color__hover=”#54b2b7″ background_color__hover_enabled=”on” custom_padding__hover=”|||”][et_pb_blurb title=”Mortgage Calculator” url=”#popup1″ use_icon=”on” font_icon=”||divi||400″ icon_color=”#ffffff” icon_placement=”left” module_class=”popup1″ _builder_version=”4.16″ header_font=”Playfair Display||||||||” header_text_color=”#ffffff” header_font_size=”26px” body_font=”Lato||||||||” body_text_color=”#ffffff” body_font_size=”17px” body_link_font=”||||||||” body_link_text_color=”#ffffff” transform_translate_linked=”off” custom_margin=”||||true|false” custom_padding=”0px||0px||false|false” custom_padding_tablet=”” custom_padding_phone=”|38px||38px||true” custom_padding_last_edited=”on|phone” link_option_url=”#popup1″ global_colors_info=”{}” transform_styles__hover_enabled=”on” transform_scale__hover_enabled=”on” transform_translate__hover_enabled=”on” transform_rotate__hover_enabled=”on” transform_skew__hover_enabled=”on” transform_origin__hover_enabled=”on” transform_translate__hover=”0px|-10px”]

Quickly and simply calculate your monthly repayments.<\/a><\/p>[\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_2″ module_class=”vertical-align blurb_click” _builder_version=”4.16″ background_color=”#0093a0″ custom_padding=”0px||0px||true|false” link_option_url=”#popup2″ global_colors_info=”{}” background_color__hover=”#009aa8″ background_color__hover_enabled=”on” custom_padding__hover=”|||”][et_pb_blurb title=”Stamp Duty Calculator” url=”#popup2″ use_icon=”on” font_icon=”||divi||400″ icon_color=”#ffffff” icon_placement=”left” module_class=”popup2″ _builder_version=”4.16″ header_font=”Playfair Display||||||||” header_text_color=”#ffffff” header_font_size=”26px” body_font=”Lato||||||||” body_text_color=”#ffffff” body_font_size=”17px” body_link_font=”||||||||” body_link_text_color=”#ffffff” transform_translate_linked=”off” custom_padding=”25px||25px||true|false” custom_padding_tablet=”” custom_padding_phone=”|38px||38px||true” custom_padding_last_edited=”on|phone” link_option_url=”#popup2″ global_colors_info=”{}” transform_styles__hover_enabled=”on” transform_scale__hover_enabled=”on” transform_translate__hover_enabled=”on” transform_rotate__hover_enabled=”on” transform_skew__hover_enabled=”on” transform_origin__hover_enabled=”on” transform_translate__hover=”0px|-10px”]

Calculate your stamp duty<\/a><\/p>[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Speedy Contact Form Module – BG Image 2000 x 955 pixels” module_class=”contact_2_falkor” _builder_version=”3.23.3″ background_color=”#2F3847″ background_image=”https:\/\/falkor.divi-den.com\/wp-content\/uploads\/2018\/02\/falkor-contact-2-bg.png” custom_padding=”||1px|||” global_module=”244872″ saved_tabs=”all” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ use_custom_gutter=”on” gutter_width=”4″ admin_label=”Speedy Contact Form Module” _builder_version=”4.16″ max_width=”1170px” custom_padding=”0vw||5vw|||” border_width_bottom=”1px” border_color_bottom=”#6b6b6b” use_custom_width=”on” custom_width_px=”1170px” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_contact_form captcha=”off” submit_button_text=”Send Message” 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Contact us today to see how we can help you with your mortgage.<\/span><\/h3>[\/et_pb_text][et_pb_text admin_label=”ipsum dolor sit amet” _builder_version=”4.16″ text_font=”Lato||||||||” text_text_color=”#ffffff” text_font_size=”20px” background_layout=”dark” custom_margin=”||2vh|” custom_padding=”|||0.2vw” link_option_url=”info@lbmortgageadviser.co.uk” global_colors_info=”{}”]

info@lbmortgageadviser.co.uk<\/p>[\/et_pb_text][et_pb_text admin_label=”123 456 789″ _builder_version=”4.16″ text_font=”Lato||||||||” text_text_color=”#ffffff” text_font_size=”28px” link_font=”||||||||” link_text_color=”#ffffff” background_layout=”dark” custom_padding_tablet=”” custom_padding_phone=”||27px” custom_padding_last_edited=”on|desktop” global_colors_info=”{}”]

01268 205 112<\/a><\/p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|tablet” admin_label=”Interior Design Page Layout” module_class=”pegasus-footer1″ _builder_version=”3.23.3″ background_color=”#303847″ custom_padding=”7.1vh||4vh|||” custom_padding_tablet=”40px||0px|” custom_padding_phone=”” global_module=”245136″ saved_tabs=”all” collapsed=”off” global_colors_info=”{}”][et_pb_row column_structure=”1_5,1_5,1_5,1_5,1_5″ custom_padding_last_edited=”on|tablet” admin_label=”Interior Design Page Layout” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” max_width=”1170px” custom_padding=”||27px|||” custom_padding_tablet=”20px||40px|” custom_padding_phone=”” use_custom_width=”on” custom_width_px=”1170px” collapsed=”off” global_colors_info=”{}”][et_pb_column type=”1_5″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_cta title=”Services” admin_label=”Services” _builder_version=”4.16″ header_font=”Roboto|700||on|||||” header_text_align=”left” header_text_color=”#ffffff” header_font_size=”17px” header_letter_spacing=”0.9px” body_font=”Lato||||||||” body_text_align=”left” body_text_color=”rgba(152,155,172,0.7)” body_font_size=”16px” body_letter_spacing=”0.4px” body_line_height=”1.8em” use_background_color=”off” custom_css_promo_title=”padding-bottom: 39px;” global_colors_info=”{}” button_text_size__hover_enabled=”off” button_one_text_size__hover_enabled=”off” button_two_text_size__hover_enabled=”off” button_text_color__hover_enabled=”off” button_one_text_color__hover_enabled=”off” button_two_text_color__hover_enabled=”off” button_border_width__hover_enabled=”off” button_one_border_width__hover_enabled=”off” button_two_border_width__hover_enabled=”off” button_border_color__hover_enabled=”off” button_one_border_color__hover_enabled=”off” button_two_border_color__hover_enabled=”off” button_border_radius__hover_enabled=”off” button_one_border_radius__hover_enabled=”off” button_two_border_radius__hover_enabled=”off” button_letter_spacing__hover_enabled=”off” button_one_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover_enabled=”off” button_bg_color__hover_enabled=”off” button_one_bg_color__hover_enabled=”off” button_two_bg_color__hover_enabled=”off”]

Mortgage Advice<\/a><\/p>\n

Buy To Let<\/a><\/p>\n

Remortgage<\/a><\/p>\n

First Time Buyers<\/a><\/p>[\/et_pb_cta][\/et_pb_column][et_pb_column type=”1_5″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_cta title=”Resources” admin_label=”Company” _builder_version=”4.16″ header_font=”Roboto|700||on|||||” header_text_align=”left” header_text_color=”#ffffff” header_font_size=”17px” header_letter_spacing=”0.9px” body_font=”Lato||||||||” body_text_align=”left” body_text_color=”rgba(152,155,172,0.7)” body_font_size=”16px” body_letter_spacing=”0.4px” body_line_height=”1.8em” use_background_color=”off” custom_css_promo_title=”padding-bottom: 39px;” global_colors_info=”{}” button_text_size__hover_enabled=”off” button_one_text_size__hover_enabled=”off” button_two_text_size__hover_enabled=”off” button_text_color__hover_enabled=”off” button_one_text_color__hover_enabled=”off” button_two_text_color__hover_enabled=”off” button_border_width__hover_enabled=”off” button_one_border_width__hover_enabled=”off” button_two_border_width__hover_enabled=”off” button_border_color__hover_enabled=”off” button_one_border_color__hover_enabled=”off” button_two_border_color__hover_enabled=”off” button_border_radius__hover_enabled=”off” button_one_border_radius__hover_enabled=”off” button_two_border_radius__hover_enabled=”off” button_letter_spacing__hover_enabled=”off” button_one_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover_enabled=”off” button_bg_color__hover_enabled=”off” button_one_bg_color__hover_enabled=”off” button_two_bg_color__hover_enabled=”off”]

Stamp Duty Calculator<\/a><\/p>\n

Mortgage Calculator<\/a><\/p>\n

Complaints<\/a><\/p>\n

\u00a0<\/a><\/p>[\/et_pb_cta][\/et_pb_column][et_pb_column type=”1_5″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_cta title=”About” admin_label=”About” _builder_version=”4.16″ header_font=”Roboto|700||on|||||” header_text_align=”left” header_text_color=”#ffffff” header_font_size=”17px” header_letter_spacing=”0.9px” body_font=”Lato||||||||” body_text_align=”left” body_text_color=”rgba(152,155,172,0.7)” body_font_size=”16px” body_letter_spacing=”0.4px” body_line_height=”1.8em” use_background_color=”off” custom_padding=”|||” custom_css_promo_title=”padding-bottom: 39px;” global_colors_info=”{}” button_text_size__hover_enabled=”off” button_one_text_size__hover_enabled=”off” button_two_text_size__hover_enabled=”off” button_text_color__hover_enabled=”off” button_one_text_color__hover_enabled=”off” button_two_text_color__hover_enabled=”off” button_border_width__hover_enabled=”off” button_one_border_width__hover_enabled=”off” button_two_border_width__hover_enabled=”off” button_border_color__hover_enabled=”off” button_one_border_color__hover_enabled=”off” button_two_border_color__hover_enabled=”off” button_border_radius__hover_enabled=”off” button_one_border_radius__hover_enabled=”off” button_two_border_radius__hover_enabled=”off” button_letter_spacing__hover_enabled=”off” button_one_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover_enabled=”off” button_bg_color__hover_enabled=”off” button_one_bg_color__hover_enabled=”off” button_two_bg_color__hover_enabled=”off”]

About Lee Berry<\/a> Privacy<\/a> Sitemap<\/a><\/p>[\/et_pb_cta][\/et_pb_column][et_pb_column type=”1_5″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_cta title=”Contact Us” admin_label=”Contact Us” _builder_version=”4.16″ header_font=”Roboto|700||on|||||” header_text_align=”left” header_text_color=”#ffffff” header_font_size=”17px” header_letter_spacing=”0.9px” body_font=”Lato||||||||” body_text_align=”left” body_text_color=”rgba(152,155,172,0.7)” body_font_size=”16px” body_letter_spacing=”0.3px” use_background_color=”off” custom_margin=”||5px|0px” custom_margin_tablet=”” custom_margin_phone=”” custom_margin_last_edited=”on|desktop” custom_css_promo_title=”padding-bottom: 39px;” global_colors_info=”{}” button_text_size__hover_enabled=”off” button_one_text_size__hover_enabled=”off” button_two_text_size__hover_enabled=”off” button_text_color__hover_enabled=”off” button_one_text_color__hover_enabled=”off” button_two_text_color__hover_enabled=”off” button_border_width__hover_enabled=”off” button_one_border_width__hover_enabled=”off” button_two_border_width__hover_enabled=”off” button_border_color__hover_enabled=”off” button_one_border_color__hover_enabled=”off” button_two_border_color__hover_enabled=”off” button_border_radius__hover_enabled=”off” button_one_border_radius__hover_enabled=”off” button_two_border_radius__hover_enabled=”off” button_letter_spacing__hover_enabled=”off” button_one_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover_enabled=”off” button_bg_color__hover_enabled=”off” button_one_bg_color__hover_enabled=”off” button_two_bg_color__hover_enabled=”off”]Get in touch for expert mortgage advice today.[\/et_pb_cta][et_pb_blurb title=”01268 205 112″ url=”tel:01268205112″ use_icon=”on” font_icon=”||divi||400″ icon_color=”#ffffff” icon_placement=”left” image_icon_width=”13px” content_max_width=”100%” admin_label=”+61 3 8376 6284″ _builder_version=”4.16″ header_font=”Lato||||||||” header_text_align=”left” header_text_color=”rgba(152,155,172,0.7)” header_font_size=”16″ custom_margin=”||12px|0px” custom_margin_tablet=”” custom_margin_phone=”” custom_margin_last_edited=”on|desktop” animation=”off” custom_css_blurb_title=”font-weight: 400;” icon_font_size=”13px” global_colors_info=”{}”][\/et_pb_blurb][et_pb_blurb title=”info@lbmortgageadviser.co.uk” url=”mailto:%20info@lbmortgageadviser.co.uk” use_icon=”on” font_icon=”||divi||400″ icon_color=”#ffffff” icon_placement=”left” image_icon_width=”15px” content_max_width=”100%” admin_label=”info@website.com” _builder_version=”4.16″ header_font=”Lato||||||||” header_text_align=”left” header_text_color=”rgba(152,155,172,0.7)” header_font_size=”16″ header_letter_spacing=”0.2px” custom_margin=”||12px|0px” custom_margin_tablet=”” custom_margin_phone=”” custom_margin_last_edited=”on|desktop” animation=”off” link_option_url=”mailto:info@lbmortgageadviser.co.uk” custom_css_blurb_title=”font-weight: 400;||margin-left:20px;” icon_font_size=”15px” global_colors_info=”{}”][\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_5″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”3.23.3″ background_color=”#262b35″ custom_padding=”4px||20px|||” global_module=”245458″ saved_tabs=”all” global_colors_info=”{}”][et_pb_row column_structure=”1_3,2_3″ use_custom_gutter=”on” gutter_width=”2″ custom_padding_last_edited=”on|tablet” admin_label=”Interior Design Page Layout” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” max_width=”1170px” custom_padding=”47px|||” custom_padding_tablet=”40px||40px|” custom_padding_phone=”” use_custom_width=”on” custom_width_px=”1170px” collapsed=”off” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_image src=”https:\/\/lbmortgageadviser.co.uk\/wp-content\/uploads\/2019\/05\/Lee-Berry-Logo.svg” align_tablet=”left” align_phone=”” align_last_edited=”on|tablet” _builder_version=”4.16″ width=”52%” width_tablet=”32%” width_phone=”” width_last_edited=”on|tablet” module_alignment_tablet=”left” module_alignment_phone=”” module_alignment_last_edited=”on|tablet” global_colors_info=”{}”][\/et_pb_image][et_pb_text _builder_version=”4.16″ text_font=”||||||||” text_text_color=”#a8a8a8″ text_font_size=”13px” link_font=”||||||||” link_text_color=”#ffffff” global_colors_info=”{}”]

Website Created by Scott Pearson Design<\/a><\/p>[\/et_pb_text][\/et_pb_column][et_pb_column type=”2_3″ _builder_version=”4.16″ custom_padding=”|||” custom_css_main_element=”display: flex;” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.16″ text_font=”||||||||” text_text_color=”#a8a8a8″ text_font_size=”13px” link_font=”||||||||” link_text_color=”#ffffff” custom_margin=”|-46px||||” custom_padding=”|58px||||” global_colors_info=”{}”]

Authorised and regulated by the Financial Conduct Authority.\u00a0<\/span><\/p>\n

Lee Berry Mortgage Adviser is a trading name of LB FINANCIAL LIMITED and is entered on the Financial Services Register<\/a>\u00a0<\/span>under reference 841329.<\/span><\/span><\/p>\n

Registered office address; 35 Ferndale Road, Rayleigh, Essex SS6 9NN<\/span><\/span><\/p>\n

Registered in England and Wales. Company number – 10798151.<\/span><\/span><\/p>\n

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<\/span><\/span><\/p>\n

As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments.\u00a0<\/span><\/span><\/p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]\n","protected":false},"excerpt":{"rendered":"

Lifetime Mortgages.Your LocalMortgage Expert.We’re your friendly, experts in Lifetime mortgages Essex based in Rayleigh, Essex.   With more than two decades of dedicated experience in the property and mortgage sector, Lee Berry has cultivated a wealth of expertise. Throughout his extensive career, he has assisted numerous clients in the art of securing the ideal mortgage […]<\/p>\n","protected":false},"author":2,"featured_media":245748,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","inline_featured_image":false,"footnotes":""},"acf":[],"yoast_head":"\nLifetime Mortgages Essex | Lee Berry Mortgage Services<\/title>\n<meta name=\"description\" content=\"Unlock the value of your home with Lifetime Mortgages in Essex. 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