
Every client has a story
Every day, advisers help clients navigate important decisions.
From adapting to unexpected life changes to creating a more comfortable retirement, every decision is shaped by a unique set of circumstances, priorities and goals.
In this series, Emilie from L&G steps outside the office to meet the clients and advisers behind those conversations. Together, they explore the experiences that have shaped each journey.
Because every client has a story.
Watch the trailer

Every client has a story / 03 Jul 2026 / 01:05
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.
Meet the people behind the stories
Hear directly from clients and their financial advisers as they share the real stories behind their lifetime mortgage journeys.

Jill and David's story
Finally saying goodbye to the avocado bathroom.
Jill and David's story / 03 Jul 2026 / 06:36

Sandra's story
Taking time to plan her next step.
Sandra's story / 03 Jul 2026 / 06:10
More customer stories from L&G
See how authenticity, compassion and teamwork help us lead the way:
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 clients

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 L&G Care Service.

Supporting vulnerable customers
A toolkit to help your clients.
Supporting you
Setting the foundations workshops
After qualifying, it can feel daunting taking the leap into advising lifetime mortgages. We want to help you in making this transition as simple and easy as possible.
Apply now
Our services for you to use when selling one of our Lifetime Mortgages.
Lending criteria
Detailed information about our lending criteria, and how to make the pre-application to completion process easier.
Existing customers
Online requests for your client's Interest Roll Up (Previously Flexible) or Optional Payment Lifetime Mortgage



