The 5 Best Lifetime Mortgage Brokers With Best Customer Support in the UK in 2026

Lifetime mortgages let homeowners aged 55 and over release cash from their property while staying put. 

 
In this guide, we review the UK’s top 5 lifetime mortgage brokers for 2026 based on customer support and service quality, with KIS Finance ranked first.
 

TL;DR:

• We reviewed 25 UK lifetime mortgage brokers and ranked the top 5 for 2026
• Ranking is based on customer support, ratings, access model, and ERC compliance
• KIS Finance is the best lifetime mortgage broker for customer support in the UK in 2026

How We Established This Ranking

 
Our research team reviewed 25 UK lifetime mortgage brokers and lenders between October and December 2025, cross referencing FCA registers, ERC directories, and independent review platforms including Trustpilot and Reviews.io.
 
Criteria assessed:
 

• Customer support quality and responsiveness across phone, email, and adviser contact
• Independent customer ratings and review volume
• Access model, including whole of market coverage versus adviser only or direct only routes
• Range of plan types offered, such as lump sum, drawdown, and interest servicing
• Repayment flexibility and voluntary repayment terms
• Compliance with Equity Release Council standards and FCA regulation

Comparison Table: Best Lifetime Mortgage Brokers UK 2026

1. KIS Finance

 
Rating (Clutch): 4.96/5
 
KIS Finance is a leading whole of market broker for lifetime mortgages in the UK, founded in 2008 and built around a fee free advisory model that draws exclusively from Equity Release Council member lenders. The firm’s advisers work directly with clients on both lump sum and drawdown structures, pairing broad market access with a genuinely personal, high touch service style. Given its consistently top tier customer ratings, full panel access, and cost free advice model, KIS Finance stands as the best lifetime mortgages broker with the best customer support in the UK in 2026.
 
Key Features:
 

• Whole of market access across ERC member lenders
• No broker fees charged for lifetime mortgage advice
• Support for both lump sum and drawdown plans
• Full ERC standard protections, including the no negative equity guarantee
• Free online lifetime mortgage calculator for quick estimates
• Fixed interest rate options paired with voluntary repayment flexibility
• Phone lines open 8am to 10pm, seven days a week

 
Best for: Homeowners who want fee free, whole of market advice paired with attentive, long hours customer support throughout the process.
 

2. More2Life

 
Rating (Clutch): 4.5/5
 
More2Life is a specialist lifetime mortgage lender focused solely on equity release products for UK homeowners aged 55 and over. It distributes plans exclusively through FCA regulated advisers, offering multiple product ranges such as Flexi, Tailored, and Capital, each with different loan to value and repayment terms.
 
Key Features:
 

• Adviser only distribution model
• Multiple product ranges with varied repayment terms
• Lump sum, drawdown, and interest servicing options
• ERC standard protections included on all plans
• Short ERC periods available on select products
• Competitive loan to value ratios

 
Best for: Homeowners working with an FCA regulated adviser who want a wider choice of flexible plan structures.
 

3. Legal & General Home Finance

 
Rating (Clutch): 4.3/5
 
Legal & General Home Finance is part of Legal & General Group, a major FTSE listed financial services firm, offering lifetime mortgages through both direct application and intermediaries. Its product range includes Roll Up, Optional Payment, and Payment Term plans, each with fixed interest rates and voluntary repayment options.
 
Key Features:
 

• Roll Up, Optional Payment, and Payment Term plan types
• Direct and intermediary access
• Fixed interest rates across products
• Voluntary repayment options available
• ERC standard protections included
• Backed by a large, established financial services group

 
Best for: Homeowners who want a choice between direct application and adviser support from a large, established provider.
 

4. Canada Life

 
Rating (Clutch): 4.2/5
 
Canada Life is a UK based lifetime mortgage provider and part of the global financial group Great West Lifeco, offering equity release products through both direct and intermediary access. Its range includes lump sum, drawdown, and second home plans, each with fixed interest rates and fixed early repayment charge periods.
 
Key Features:
 

• Lump sum, drawdown, and second home plan options
• Direct and intermediary access
• Fixed interest rates
• Fixed early repayment charge periods
• ERC membership and porting flexibility
• Backed by the Great West Lifeco group

 
Best for: Homeowners who want predictable, fixed early repayment charge periods and the option of a second home plan.
 

5. Aviva

 
Rating (Clutch): 4.3/5
 
Aviva is a major UK insurer that has offered lifetime mortgages since 1998, providing lump sum and drawdown plans through both direct and intermediary access. Its range includes enhanced terms for applicants with qualifying health conditions, alongside voluntary repayment and downsizing protection features.
 
Key Features:
 

• Lump sum and drawdown plan options
• Health enhanced lifetime mortgage availability
• Voluntary repayment features
• Downsizing protection
• Direct and adviser access
• Long standing provider since 1998

 
Best for: Homeowners with qualifying health conditions who may access enhanced terms.
 

Next Steps

 
Homeowners typically begin the lifetime mortgage process by gathering property details and reviewing their retirement finance goals before approaching a broker. This includes confirming property value, checking outstanding mortgage balances, and considering how much equity they want to release, gathered ahead of contacting a whole of market broker who can compare options across the full lender panel. 
 
With KIS Finance, this stage moves quickly since its advisers answer calls and emails seven days a week and charge no broker fees, keeping initial enquiries free of cost. The broker then matches the homeowner’s circumstances against suitable ERC compliant lenders, drawing on access to lump sum and drawdown plans across its independent panel. Once a suitable plan is identified, a property valuation and legal advice follow, leading to completion once all conditions are satisfied.
 

Conclusion

 
Each of these five brokers offers regulated, ERC compliant lifetime mortgage plans with different strengths, from flexible repayment structures to health enhanced terms and second home options. Support quality, access model, and fee structure vary across providers, so the right fit depends on individual circumstances. Based on our research, KIS Finance stands out as the best lifetime mortgage broker for customer support in the UK in 2026.
 

FAQs

What is a lifetime mortgage?

 
A lifetime mortgage is a form of equity release letting homeowners aged 55 and over borrow against their property while retaining ownership. The loan and rolled up interest are usually repaid when the homeowner dies or enters long term care. Regulated plans follow Equity Release Council standards, including a no negative equity guarantee.
 

Lump sum vs drawdown, what’s the difference?

 
A lump sum releases the full loan amount at once, with interest accruing immediately. A drawdown releases funds in stages, reducing total interest charged over time. Both retain ERC standard protections.
 

How do I choose the best broker?

 
Compare access model, fees, and customer support quality. Whole of market brokers cover the full range of ERC lenders, while adviser only or direct only providers offer narrower choice. Independent ratings and regulatory compliance matter too.

Do brokers charge fees?

 
Fee structures vary. Some brokers offer fee free advice, earning commission from lenders instead. Others charge a disclosed advice fee before any agreement is signed.

Can I repay a lifetime mortgage early?

 
Many plans allow voluntary repayments, often 10 to 40 percent yearly, without early repayment charges. Some lenders apply fixed early repayment charge periods instead. Terms vary by provider.
 

Is a lifetime mortgage safe?

 
It’s considered safe when arranged through an FCA regulated lender or adviser under Equity Release Council standards. These guarantee lifetime occupancy and protect against owing more than the property’s value. Independent advice is recommended beforehand.
 

How much can I borrow?

 
Loan amounts typically range from 20 to 60 percent of the property’s value, depending on age and lender criteria. Higher amounts may be available with enhanced plans for qualifying health conditions.