A guide for advisers and their clients
Leading the way with lifetime mortgages
We’re celebrating how our team works with you to support your clients and make the best financial choices for them.
We show up each day aiming to inject compassion and authenticity into every conversation, as well as prioritising teamwork at every opportunity. And, by working closely together and speaking with your clients, we can build a true understanding of their goals and dreams.
Below, we’ve gathered some of our team’s favourite stories, where they’ve created meaningful change. We’ve also put together a downloadable guide, full of insights you can share with your clients. Plus, we’ve brought together our equity release products and tools that can help support clients and add value to your work.
By leading the way together, we help your clients unlock a better retirement.
Our guide for you and your clients
We’ve created a handy lifetime mortgages guide packed with stories and insights to support your client conversations.
Hear how we make a difference
Authenticity, compassion and teamwork are a huge part of what we do.
Leading the way with authenticity
Our team want the best for your clients, working hard to find the right financial choices for them. Hear how authenticity helps us lead the way:
A listening ear
Emilie shares her experiences of building unexpected friendships at work.
A listening ear / 08 May 2025 /
Being a trusted friend
Adam talks about the value of Care Concierge and the importance of guidance for customer’s navigating the care system.
Being a trusted friend / 08 May 2025 / 01:16
A cat called Sean
Sean shares his fond memories of a cat-loving customer.
A cat called Sean / 08 May 2025 /
Feeling proud
Jo shares her feelings on helping customers in her role.
Feeling proud / 08 May 2025 /
A helping hand
Chris shares his experiences with customer’s struggling to pay interest-only mortgages in later life.
A helping hand / 08 May 2025 /
Recruiting people who care
Abigail describes how the L&G recruitment process can help ensure empathetic customer support.
Recruiting people who care / 08 May 2025 / 01:05
Leading the way with compassion
When the person at the end of the phone truly cares, it leaves a lasting impression. See how compassion helps us lead the way:
A sweet request
James talks about an emotional, and sweet customer request.
A sweet request / 08 May 2025 / 01:01
Guiding the way
Adam from the Care Concierge team talks about guiding customers through their care journey.
Guiding the way / 08 May 2025 / 01:10
Living life their way
Liz and Lou discuss how customer feedback uplifts and warms their hearts.
Living life their way / 08 May 2025 / 01:01
A sailor’s dream
David shares his story of a customer’s dream to own a boat.
A sailor’s dream / 01:01
Bringing care into the home
Julie shares her heartwarming story of a man bringing his wife home from care.
Bringing care into the home / 08 May 2025 / 01:01
Making the world of difference
Jo explains how a lifetime mortgage was able to make a real difference to a customer’s life.
Making the world of difference / 08 May 2025 /
Looking out for vulnerability
Abigail talks about vulnerability, and how her team are able to support customers in tough times.
Looking out for vulnerability / 08 May 2025 / 01:01
Leading the way with teamwork
Our team work together with you to understand clients and create the best possible outcomes. Listen to how teamwork helps us lead the way:
Speeding up the customer journey
Julie and Sean share how their work behind the scenes helps their colleagues, advisers and the end customer.
Speeding up the customer journey / 08 May 2025 / 01:01
Making lives easier
Callum and Emma discuss how their system testing efforts streamline operations for colleagues, advisers, and clients alike.
Making lives easier / 08 May 2025 /
Predicting the future
Christina shares the surprising impact her work in the actuarial team has had on customers.
Predicting the future / 08 May 2025 /
Our equity release products and tools
Products
Retirement Interest Only Mortgage
A type of residential mortgage that allows clients aged 55 and over to release equity from their home, which they must pay all the monthly interest each month for the life of the loan.
Interest Roll Up Lifetime Mortgage
Allows clients aged 55 and over to release equity from their home without having to move or make any monthly payments.
Optional Payment Lifetime Mortgage
Allows clients aged 55 and over to release equity from their home and pay some or all of the monthly interest which will reduce the amount of interest that rolls up.
Payment Term Lifetime Mortgage
Allows clients aged 50 and over to release equity from their home and pay all the interest each month for a chosen payment term after which the interest rolls up. This may reduce the overall cost of the loan.
Calculators
Lifetime Mortgage calculator
Demonstrate how much your client may be able to borrow with our Lifetime Mortgages.
RIO affordability calculator
See how much your client maybe able to borrow with our Retirement Interest Only Mortgage (RIO) affordability calculator.
Support for your customers
Care Concierge
A free service which gives your clients access to confidential telephone guidance to help them understand, find and fund the care and support available to adults that is most suitable to their needs
Provided by Legal & General Care Service.
Supporting vulnerable customers
A toolkit to help your clients.
Product governance
We’ve provided below some important information about our approach to Consumer Duty including information about our product governance processes and who our products may or may not be suitable for.