Speak to an Advisor 7 days, 8am - 10pm
Speak to an Advisor 7 days, 8am - 10pm
For those aged 55 and over, a lifetime mortgage in Harrogate offers a practical way to tap into the value of your home while continuing to live there.
This tax-free equity release product can provide the financial boost needed to enjoy retirement on your terms, whether that means funding renovations, travel, or personal projects.
With a lifetime mortgage, you’ll retain full ownership of your home, and they are available on both freehold and leasehold properties.
Our skilled mortgage advisors in Harrogate will help you understand your options and connect you with a suitable lender.
Lifetime mortgages are available in two primary forms for those aged 55 and above. Lump sum lifetime mortgages provide a one-time payment for larger costs, while drawdown lifetime mortgages offer more flexibility with gradual withdrawals.
As a trusted mortgage broker in Harrogate, we often recommend lifetime mortgages for purposes like:
Through our lifetime mortgage advice in Harrogate, we frequently support older borrowers who use these products to purchase a property. Typical motivations include:
Should a lifetime mortgage not be the ideal option, our team will recommend alternative mortgage products for the over-50s in Harrogate.
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The fee is up to 1% but a typical fee is £495.
Our Customers Love Us
215 5 Star Reviews
Joseph Harros
As first-time buyers, we had very little knowledge of the mortgage process and found it quite daunting, especially with rising interest rates and uncertainty in the property market. We’re extremely grateful to Dinah and Jo for their support and would highly recommend UK Moneyman to any first-time buyer looking for a professional, knowledgeable and supportive mortgage broker.
29 Oct 2026
Jade Wilmot
As first-time buyers, we had very little knowledge of the mortgage process. We changed properties along the way, and our circumstances made the mortgage process more complex than we initially expected. Dinah and Jo were absolutely brilliant throughout. We would definitely recommend UK Moneyman to anyone looking to set up a mortgage.
29 Oct 2026
Diane A
First class service. Jason and Lizzie helped me immensely getting a good mortgage quickly when I found myself separated. They pulled out all the stops and even spoke to me after hours. Excellent and would highly recommend. I can’t thank them enough. I now have my dream home
28 Oct 2026
Chloe Gathergood
Paula and Jason have been so helpful in getting our first mortgage sorted. They were quick to answer any questions and very helpful with their advice. Thank you very much
23 Oct 2026
Rebecca Joy
Leo and Lizzi were exceptionally helpful. Leo gave us great advise, not just on products available, but on things like bidding on properties, whether we were likely to be approved for more complicated properties etc. Lizzi was very communicative and thorough in processing our application, and after our first sale fell through we didn't hesitate to use UK Moneyman again. Thanks so much to Leo and Lizzi!
15 Oct 2026
Callum Kennedy
Very helpful and informative. Made the process as easy as possible. Would recommend to other
14 Oct 2026
Barry Hall
I had a financial issue that I thought was pretty unique to myself. The help and solution to my financial question has been exceptional in every step of the way. A big thank you to Warren and Joe for all of your patience and technical expertise.
14 Oct 2026
Megan Whitlock
The team working with my profile were amazing, I was in constant communication with them, if I emailed and rang someone responded quickly and they were able to secure my mortgage within 6 weeks from my initial meeting which saved me a lot of messing around and stress. Great service thank you
14 Oct 2026
Linda Chadwick
Amazing company very helpful and patient fantastic staff at the Hull branch nothings to much trouble sorted me a morgage out quickly and efficient i would recommend them 100%
14 Oct 2026
Natalie Rose
We’ve had Elaine Tiernan as our mortgage advisor and she has helped us out so much in the process of being approved with our first mortgage. From working around our working hours to arrange phone calls and online teams meetings to being prompt to respond to our enquiries. Elaine has been nothing but helpful, professional and supportive in our journey this far and we are very grateful to have had her as our mortgage advisor. Thank you to Paula aswell for always checking up on us and ensuring the process was as smooth as possible. Natalie and Liam
13 Oct 2026
Book a free initial mortgage appointment with one of our advisors in Harrogate.
We’ll discuss your needs and explain your options clearly.
We search through a variety of mortgage products to find the most suitable fit.
Our team provides straightforward advice tailored to you.
We’ll handle your application and ensure all documents are in order.
Our aim is to make the process hassle-free.
Your mortgage completes, and your new plan is ready.
We’ll be here to support you if you need further help.
Take advantage of a free initial mortgage review with our experienced mortgage advisors in Harrogate. This no-obligation session provides expert mortgage advice in Harrogate, helping you assess your options and make the best financial decision for your needs.
As a reliable mortgage broker in Harrogate, we work with a wide panel of lenders to find the most suitable deal for your circumstances. Whether it’s a lifetime mortgage or another financial solution, we’ll ensure it meets your goals and provides long-term value.
Our mortgage advisors in Harrogate are dedicated to delivering exceptional service at every step of the process. From your first enquiry to completion, you’ll receive honest, professional advice tailored to your needs.
We’re available seven days a week to make the process as convenient as possible. Whether you need mortgage advice in Harrogate on a weekday or weekend, our team is here to help at a time that works for you.
Our Home Buying App is a digital mortgage coach designed to help you save up, plan, and track your home buying journey – whether you’re buying your first home, or fancy a move.
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Read our 38 Reviews
Harrogatemoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Harrogatemoneyman 2009–2026
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Harrogatemoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Harrogatemoneyman 2009–2026
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