Equity Release
Mortgages
Protection
Welcome to Hallmark Later Life Lending Limited
After a few early years in the MOD, in 1986 I embarked on a career in financial services, initially self-employed but I soon progressed into managerial roles with a major bank, and later an insurance company. Then in 1998 I returned to doing what I enjoy the most, which is running my own practice and engaging with people. Over time I’ve honed my business into specialising in Later Life Lending and Equity Release, whilst continuing to provide a full range Mortgage and Protection services. Hallmark Later Life Lending Limited is a Whole of Market adviser firm.
Michael Hoare – Director
My first Equity Release customer was in 2002. Back then the choice was either a Lifetime Mortgage or Home Reversion, with very little difference between products of the same type. Today, the landscape is very different. Products have evolved considerably, so much so that my driving force is to dispel the lingering myths and misconceptions associated with Equity Release.
Whilst Home Reversion has all but disappeared, the age 50+ mortgage sector now includes, Later Life Mortgages, Retirement Interest Only (RIO) Mortgages, Payment Term Lifetime Mortgages (PTLM), and traditional, although modernised, Lifetime Mortgages, all of which are explained in detail on the Types of Equity Relief page. And with no two products of the same type being identical, there’s a vast choice offering solutions to cover a variety of purposes and needs, something not conveyed by frivolous TV and magazine advertisers. The Equity Release Uses page examples a number of scenarios and how the different mortgages types might provide a suitable solution.
Please also check Our Charges page to discover how fair and reasonable our charges are.
Based in the west Wiltshire town of Bradford-on-Avon, known for its 8th century Saxon Church, 13th century town bridge on which was added a two cell lock-up, the “Chapel”, in the 17th century, and 14th century Tithe Barn. I have customers in many parts of the UK and I’m always pleased to make home visits. But should this not be practical, nowhere is out of reach in this age of video calling, emails, and the good old phone.
Away from work, I do my best to keep the years at bay through motorcycling on my GL1100 and GL1800 Honda Gold Wings, motorhoming in my Hobby 750, tennis, cycling, and I have a love/hate relationship with running and so far have managed the Paris, London, and Edinburgh marathons.
I take pride in my approach with customers, which starts with a truly blank canvas, allowing your circumstances to pave the way forward, if in fact you decide to move forward. Which brings me back to you always being in the driving seat. It’s also important to me that the content of this website are my own words, which I hope conveys a little of my personality.
I very much look forward to hearing from you.
THE INFORMATION PROVIDED ON THIS WEBSITE DOES NOT CONSITITUTE ADVICE AND SHOULD NOT BE ACTED UPON.
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