Lifetime Financial Management Ltd are based in St Albans City Centre. We have branches in Cardiff, East Grinstead, Hoddesdon, Leicester and Wellingborough. We pride ourselves on providing a high quality independent mortgage advice service.

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In addition to being an independant mortgage broker, Lifetime Financial Management has developed a sophisticated client management system, called 360Lifecycle. Created by Lifetime's in-house team of developers, and built using industry standard Microsoft technologies such as .Net and SQL Server, 360Lifecycle is an asset to any financial management business. For more information, please see the 360Lifecycle web site.

Our Professionally Qualified Advisers have considerable experience in the mortgage market.

Since our inception, we have been responsible for placing in excess of two billion pounds of mortgage lending.

We put our customers first and work for you, not the lender. We believe that good quality advice can only be provided by ensuring we have long-term relationships with our customers.

At any given time there are usually in excess of 4,000 mortgage schemes available to choose from. Lifetime will help you by researching the market on your behalf, saving you time, stress and potentially money! With the benefit of our experienced Advisers and our ‘on-line’ computer sourcing package, (which is updated daily), we will thoroughly explain all of your options.

Our Philosophy

• You don’t want a mortgage – but you do want to own your house
• A mortgage is potentially your biggest debt
• A £100,000 mortgage will cost you over £200,000 over 25 years - (Based on Capital and Interest mortgage at a constant interest rate of 6.75%, the overall cost for comparison is 7.0% APR)
• We will help you choose the right mortgage now - and make sure we tell you how you can reduce your mortgage over the term
• There are 3 parts to sound financial planning:
  Debt – must be managed and reduced
  Aspirations – your plans for the future
  Foundations – without this you can’t manage your debt and your aspirations can be jeopardised
• Why pay more on debt than you can earn on savings
• If you were to suffer a heart attack would you want your debts to go away?
• If you were to die today would you like to leave your home without debts?
• If you lost your income tomorrow could you pay for your mortgage?
• No house is built on sand – nor should your finances

Our commitment to you…

We will continually review your mortgage and contact you regularly to ensure our chosen solutions and recommendations are appropriate to your circumstances. This means we will monitor the mortgage market and contact you at least twice every year to review your mortgage and insurance arrangements.

Your commitment…

Sound financial planning is based on tailoring products and advice to your current lifestyle and circumstances. This means that it is vital for you to let us know of any key changes in circumstances, for example; new job, birth of a child, looking to move house or planning home improvements. In this way we can ensure that your mortgage and debts are managed in a way that suits your changing lifestyle.

We are authorised and regulated by the FSA (Financial Services Authority). Our FSA registration number is 448415.

WARNING: YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. There may be a fee for our service. This will be no more than 1.5% of the loan. The precise amount will depend on your circumstances but we estimate this will be £149.

Lifetime is a trading name of Lifetime Financial Management Ltd which is authorised and regulated by the Financial Services Authority for advising on and arranging mortgages and insurance.

Lifetime Financial Management Ltd, registered in England and Wales, registered Number 3652194. Registered address: 1st Floor, City Gate, 17 Victoria Street, St Albans, Herts, AL1 3JJ. Director: Paul Merrigan.