Lakeview Financial Services Ltd

29/10/2026

How does this year's Budget affect later life lending?

Dave Harris, CEO more2life, described the Budget as a “cost of living Budget” and a “tacit admission” that financial pressures on households are set to continue, with inflation forecast to peak at 3.8% in early 2027.

Those in their 50s, 60s and beyond are likely to feel the squeeze most acutely as many are either already, or plan to live, on reduced incomes in later life. With no clear end in sight to wider economic and geopolitical pressures, it's now more important than ever to be aware of the options available to older homeowners.

Over-55s hold around £4 trillion in property wealth and “tapping into that equity could be life-changing” for those struggling financially.

As recognised by the FCA’s later life mortgage market study, many older homeowners remain unaware of the wealth tied up in their homes and the role it can play in providing greater financial security and a brighter retirement.

If you want a chat about your circumstances and to see if later life lending could help please get in touch with Liz Hayes on 01757 322135.

17/08/2026

Terry's Terrible Tall Tale.

Warning. Don't trust stairs. They're always up to something.

More sensibly though...

Myths about Later Life Lending

YOU MUST stay in the same property for the rest of your life. your property as an inheritance. With most lifetime mortgages, you can move home and transfer the loan to the new property providing it meets the lender’s terms and criteria. A partial repayment however may be required.

16/07/2026

Over £1,900 a Month Better Off

Mr and Mrs Jones, both in their early 70s, were still successfully running their own business. Over the years, they had taken out unsecured loans and built up credit card balances to fund the lifestyle they enjoyed. While their income had comfortably supported the repayments for many years, rising living costs and increasing debt eventually began to put pressure on their finances.

They contacted Lakeview Financial Services Ltd for advice. After carrying out a comprehensive review of their circumstances, we recommended a lifetime mortgage to repay their existing mortgage, unsecured loans and credit card debt.

Mr and Mrs Jones chose to make the monthly interest payments in full, helping to keep the lifetime mortgage balance at the same level. By consolidating their borrowing into one manageable mortgage, they no longer have multiple loan or credit card repayments and are now saving more than £1,900 per month.

A lifetime mortgage isn't the right solution for everyone, but in Mr and Mrs Jones' circumstances it proved to be an appropriate and effective option. With their finances simplified and monthly outgoings significantly reduced, they can now focus on enjoying life with greater peace of mind, including spending more time on the holidays they love.

If you're wondering whether a lifetime mortgage could help improve your financial situation, as it did for Mr and Mrs Jones, we'd be happy to discuss your options.

Get in touch with Lakeview Financial Services Ltd today by calling 01757 322135 or emailing [email protected]. We'll take the time to understand your circumstances and explain whether a lifetime mortgage could be a suitable solution for you.

A lifetime mortgage may impact on your entitlement to means tested benefits and may impact on the inheritance you leave. To understand the features and risks ask for a personalised illustration. Your home may be repossessed if you don't keep up repayments on a mortgage

29/06/2026

Family-run business helps homeowners avoid repossession with lifetime mortgages

We are a small family-run Bubwith business that prides itself on offering personal advice on Later Life Lending. There are no call centres and no being passed from one department to another. From your initial enquiry through to completion, you'll deal directly with us, Liz and Terry Hayes, ensuring you always have a familiar point of contact throughout the process.

Client Success Story: Saving a Home, Restoring Peace of Mind

When the Smiths came to us, they were facing every homeowner’s worst fear — repossession.

After Mr Smith suffered a serious injury and could no longer work, their £1,242 monthly mortgage swallowed almost all of their income. Even with Mrs Smith working full‑time, they were struggling to afford basic essentials. After 35 years in their home, the thought of losing it was heartbreaking.

We stepped in to help.

After reviewing their situation, we recommended a lifetime mortgage to clear their existing mortgage and other secured debts. The result?

Over £900 saved every month

All debts repaid

Lasting Powers of Attorney arranged

The ability to stay in the home they love

A fresh start with financial breathing room

Today, the Smiths are enjoying life again — feeling secure, and even planning voluntary capital repayments.

A lifetime mortgage isn’t right for everyone, but for the Smiths, it was the perfect solution at the perfect time. Call us on 01757 322135 or [email protected]

26/06/2026

Why choose Lakeview FS Ltd to help....?

We are a small family-run business that prides itself on offering a personal service. There are no call centres and no being passed from one department to another. From your initial enquiry through to completion, you'll deal directly with us, Liz and Terry Hayes, ensuring you always have a familiar point of contact throughout the process.
How we can help
We provide expert advice on:
• Equity Release
• Retirement Interest Only (RIO) Mortgages
• Later-Life Lending Solutions
• Traditional Mortgages, including options with no upper age limit (subject to lender criteria)

All advice is provided by advisers authorised and regulated by the Financial Conduct Authority (FCA).

✓ Nearly 30 years of experience helping clients in later life
✓ Personal, jargon-free advice tailored to your individual circumstances
✓ Whole-of-market access to a wide range of lenders and providers
✓ We will always recommend the most suitable option, even if that means doing nothing at all
✓ No upfront fees – unlike many brokers, we don't believe you should pay for a service that may not ultimately be required or suitable
Larger firms often have limited product ranges or rigid criteria. We take the time to understand your circumstances and find solutions that fit your needs, rather than trying to fit you into a predetermined box.
As with any financial adviser, we encourage you to carry out your own due diligence. You can verify our authorisation and permissions on the FCA Register and confirm our professional memberships using the links below:
FCA Register:
https://register.fca.org.uk/s/firm?id=0014G00002YS4oHQAT
Equity Release Council:
Liz Hayes – Equity Release Council Member Listing
If you'd like to discuss your options, please call us on 01757 322135 or email [email protected]. You'll speak directly to either Liz or me, Terry Hayes.
The conversation is free, with no obligation, so you have nothing to lose by exploring your options.

19/06/2026

✨ Client Success Story: Saving a Home, Restoring Peace of Mind ✨

When the Smiths came to us, they were facing every homeowner’s worst fear — repossession.
After Mr Smith suffered a serious injury and could no longer work, their £1,242 monthly mortgage swallowed almost all of their income. Even with Mrs Smith working full‑time, they were struggling to afford basic essentials. After 35 years in their home, the thought of losing it was heartbreaking.

We stepped in to help.

After reviewing their situation, we recommended a lifetime mortgage to clear their existing mortgage and other secured debts. The result?

💙 Over £900 saved every month
💙 All debts repaid
💙 Lasting Powers of Attorney arranged
💙 The ability to stay in the home they love
💙 A fresh start with financial breathing room

Today, the Smiths are enjoying life again — feeling secure, and even planning voluntary capital repayments.

A lifetime mortgage isn’t right for everyone, but for the Smiths, it was the perfect solution at the perfect time.

06/06/2026

Would you trust just 𝘢𝘯𝘺𝘰𝘯𝘦 with your biggest financial asset?
For many homeowners over 55, your home isn’t just where you live - it’s your 𝘭𝘢𝘳𝘨𝘦𝘴𝘵 source of wealth.
Unlocking that value through equity release can be life-changing… but only if you get the 𝘳𝘪𝘨𝘩𝘵 𝘢𝘥𝘷𝘪𝘤𝘦.
Here are 5 ways to choose the right equity release adviser:
👉 Are they FCA regulated?
👉 Do they follow Equity Release Council standards, and are they a Member of the Equity Release Council?
👉 Are they true specialists in later-life lending?
👉 Do they put the client first and foremost 100% of the time?
👉 Are they whole of market advisers?
At Lakeview Financial Services Ltd we tick all those boxes and more.
If you're considering equity release, make sure your adviser puts your needs first. The wrong advice can cost you dearly. While the right advice can open doors.
📩 Ready to explore your options with confidence? Email [email protected]

10/06/2025

Would you trust just 𝘢𝘯𝘺𝘰𝘯𝘦 with your biggest financial asset?

For many homeowners over 55, your home isn’t just where you live - it’s your 𝘭𝘢𝘳𝘨𝘦𝘴𝘵 source of wealth.

Unlocking that value through equity release can be life-changing… but only if you get the 𝘳𝘪𝘨𝘩𝘵 𝘢𝘥𝘷𝘪𝘤𝘦.

Here are 5 ways to choose the right equity release adviser:
👉 Are they FCA regulated?
👉 Do they follow Equity Release Council standards?
👉 Are they true specialists in later-life lending?
👉 Do they put the client first and foremost 100% of the time?
👉 Are they whole of market advisers?

At Lakeview Financial Services Ltd we tick all those boxes and more.

If you're considering equity release, make sure your adviser puts your needs first. The wrong advice can cost you dearly. While the right advice can open doors.

📩 Ready to explore your options with confidence? Email [email protected]

Send a message to learn more

02/12/2023

HO HO HO! Christmas is just round the corner and for many people this year it will be more expensive than last year - the cost of living crisis, and higher food bills all contribute to belts needing to be tightened.
One way you can relieve the strain is to look at your mortgage deal - is it costing you too much, or are other debts plus the mortgage putting a strain on things? Why not have a free mortgage review and see if you can cut costs?

21/10/2021

Homeowners who are coming to the end of a mortgage deal are being urged to protect their finances by locking into a new fixed-rate loan.

A tsunami of higher energy and food bills, plus inflation heading towards four per cent, means key household bills are on the increase.

And with the Governor of the Bank of England, Andrew Bailey, warning that interest rates will be pushed up if higher inflation becomes persistent, mortgages are also likely to get more expensive. Bailey has not ruled out a rate rise before the end of the year.

Liz Hayes, Mortgage expert at Lakeview Financial Services Ltd, says talk of the need for interest rates to rise to curb inflation means now could be the right time to lock into a loan that will provide homeowners with payment certainty. She adds: 'Being able to lock down the cost of what is typically the single biggest household outgoing, at a time when other costs are climbing, will help build resilience into homeowners' monthly budgeting.'

Although banks and building societies have no shortage of funds to lend to borrowers – a result of record amounts of money being squirrelled away in savings accounts – Liz believes it is only a matter of time before mortgage prices start rising.

'The more the markets expect a rate rise, the more likely it will feed into higher funding costs for lenders,' she says.

'Lenders have been competing hard to make rates stand out, so profit margins have been cut to the bone.'

For most homeowners coming to the end of a current deal, a fixed-rate loan is the soundest option. It offers payment certainty as well as protection against rising interest rates which a standard variable rate, discounted rate or a tracker do not.

'You can fix a new deal six months in advance with most lenders,' she says.

To talk about your own situation please contact Liz on 07899 774416 or via Messenger

Independent Mortgage, Equity Release and Insurance brokers offering whole of market advice in a frie