Business Details
35 Years
experience
Expert Retirement Mortgage Advice in Wolverhampton
Established in 1991, Purely Retirement Mortgages operates as a trading style of Berkley Vittoria Independent Financial Services Limited, specialising in retirement-focused mortgage solutions across the UK. We provide independent, whole-of-market advice on retirement mortgages, interest-only mortgages, and lifetime mortgages, prioritising ethical guidance without favouring specific lenders. Our FCA-authorised team offers no-obligation consultations, transparent fee structures, and access to exclusive products unavailable to the general public.We conduct business remotely via phone and post, eliminating the need for face-to-face meetings while maintaining a commitment to client confidentiality and regulatory compliance. Our advisors hold relevant qualifications in mortgage and lifetime mortgage advisory services, ensuring expertise in addressing complex retirement financing needs.
Services
Retirement Mortgages
Interest Only Mortgages
Lifetime Mortgages
Buy to Let Mortgages
Equity Release Advice
Details
- Year established: 1991
Highlights and features
- We have 30+ years of experience in retirement mortgage advisory services
- Our FCA-authorised advisors provide regulated, ethical financial guidance
- Transparent 995 broker fee with no hidden charges
- Access to exclusive mortgage products unavailable through high-street providers
- No-obligation consultations with no follow-up contact unless requested
Associations and certifications
- Financial Conduct Authority
What people say
Comprehensive advice
No obligation
Transparent fees
Expert guidance
Flexible options
Services
Retirement Mortgages
Specialist mortgage solutions for clients beyond traditional retirement age, enabling property purchases or re-mortgaging up to age 95+. We access high-street lenders offering competitive rates with no end date. Our FCA-regulated advisors assess income sources including pensions, investments, and rental income to create sustainable mortgage arrangements.
Interest Only Mortgages
Lifetime interest-only mortgage products allowing monthly interest payments without repayment deadlines. We arrange schemes accepting applicants aged up to 95+ with borrowing capacity up to 75% LTV. Our advisors help clients understand repayment strategies including downsizing, inheritance, or switching to equity release products.
Lifetime Mortgages
Long-term mortgage solutions enabling homeowners aged 55+ to release equity without monthly repayments. We offer flexible options including interest-roll-up, partial payments, and fixed-interest schemes with borrowing up to 55% LTV. Our FCA-authorised team explains associated risks and inheritance implications during no-obligation consultations.
Buy to Let Mortgages
Mortgage arrangements for property investors seeking to establish or expand rental portfolios. We source age-inclusive products with no upper age limits, assessing applications based on rental income potential rather than personal earnings. Our clients access exclusive schemes unavailable through direct lenders.
Equity Release Advice
Independent guidance on releasing property equity for diverse purposes including debt consolidation, home improvements, or family support. We compare lifetime mortgage options against alternative financing solutions, explaining tax implications and long-term financial impacts during obligation-free consultations.
Questions
What mortgage options exist for older borrowers?
We arrange retirement mortgages, interest-only mortgages, and lifetime mortgages for applicants up to age 95+, with borrowing based on pension, investment, or rental income.
How much do your mortgage services cost?
Our transparent broker fee is £995 for any mortgage arrangement, with no additional charges or hidden fees.
Can I obtain a mortgage after retiring?
Yes, we access lenders accepting pension income assessments for mortgage approvals, with products available up to age 95+.
What happens if I outlive my mortgage term?
Our lifetime mortgages allow indefinite residence with optional interest payments, while retirement mortgages accommodate income assessments beyond standard retirement ages.
Do you offer remote mortgage advisory services?
We conduct full mortgage advisory services via phone and post without requiring face-to-face meetings.
How do lifetime mortgage interest payments work?
Choose monthly interest payments, partial payments, or rolled-up interest with our lifetime mortgages, each affecting long-term equity retention differently.
