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Team at UK Moneyman Ltd
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Whether you are a financial advisor, an accountant or mortgage broker, we’d love to work with you to provide your clients truly independent later life mortgage advice.

100s of Later Life Products

We can advise on the full range of later life lending products that are available in the UK, these include regular mortgages, retirement mortgages and equity release (lifetime mortgages and home reversion plans.

When considering the alternatives for your clients we thoroughly explore non-lending options such local authority grants and funding, family assistance, downsizing and charity funding. Our wide-ranging experience means that we can dovetail our advice with any financial model you are working on, making the client journey seamless even with different professionals involved.

Commitment to Excellence

With our ongoing programme of professional development and lender engagement, we ensure that our knowledge is up to date and comprehensive. We often work with lenders to consult on and pilot new products which bring more choice and better features to older borrowers.

Our collaborative working practice between advisors means that all options are explored by specialists in their field contributing to best practice and excellent outcomes for clients.

Speak to the Experts

Whether you are a financial advisor, an accountant or mortgage broker we’d love to work with you to provide your clients truly independent later life mortgage advice.

Malcolm Davidson

Managing Director

07545 043 504Book a Chat
Malcolm Davidson | Managing Director | 07545 043 504

Dan Osman

Head of Later Life

07732 603 230Book a Chat
Dan Osman | Head of Later Life | 07732 603 230

Wayne Dewsbury

Relationship Manager

07802 658433Book a Chat
Wayne Dewsbury | Relationship Manager | 07802 658433

Which Referral Category Do You Fall Into? 

We find that most professionals that we speak with about later life mortgage situations fall into 3 categories, these are: 

No service offered

Many financial advisors and accountants that we speak with do not offer advice or work closely with any referral partners in the later life lending space.

As a country, we have an aging population which brings new challenges along with new opportunities.  With consumer duty in mind, to provide holistic financial advice your older clients you’ll need to have knowledge and provide direction as to what later life lending products are available in the market.

We offer a truly independent offering with a seamless advice process specifically tailored to older borrowers.

A ‘dabbler’

A dabbler will often be an experienced mortgage broker that does a handful of retirement mortgages per year servicing their existing client bank.

For clients aged 50 to 70 years, there is a big crossover of mortgage products that are available in the market and it’s changing all the time with regulation and innovation.

Are you confident that your client is receiving the right advice? If there is any doubt, we can provide you and your client with protection and peace of mind.

Current referral relationship in place

Often, mortgage brokers, financial advisors or accountants have existing later life referral partners in place.

With the consumer duty rules in mind, are you sure that your current referral partner is considering all the later life lending solutions available for your client?

Maybe your current referral partner is a ‘dabbler’ themselves or unresponsive to you and your clients calls and emails.

Also, we see a lot of referral pages or websites that just relate to the equity release products and the amount of referral commission that you can earn from sending them a deal. The FCA is very clear on the fact that many clients have decided that equity release is the answer for them before seeking advice. We ensure that those preconceptions are challenged and that all the options are fully considered.

Leon Diamond at LiveMore

At LiveMore, we really enjoy working with UK Moneyman because we are aligned in our approach to later life lending in ensuring great outcomes for customers.

With the Consumer Duty in place, it’s more important than ever for brokers to consider all options so customers receive the right product.

UK Moneyman’s holistic approach to later life lending ensures they delivers the best outcomes for clients.

We look forward to our continued relationship with UK Moneyman, championing change and innovation in later life together.

Reasons to Choose us as Your Referral Partner


If you would like to speak with us about any of the above or talk through a specific case, please get in touch today.

Meet the Later Life Team

Malcolm Davidson

Managing Director

Amy Kerwick

Later Life Case Manager

Dan Osman

Head of Later Life

Wayne Dewsbury

Relationship Manager

Meet the Later Life Team

Truly Independent Later Life Mortgage Advice

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UK Moneyman Limited is Registered in England, No. 6789312
Registered Address: 10 Consort Court, Hull, HU9 1PU.

Authorised and Regulated by the Financial Conduct Authority.

We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk

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