Later Life Lending Articles

Legal Information

Echo Finance Limited is registered in England and Wales (6939070) and is authorised and regulated by the Financial Conduct Authority and is on the Financial Services Register (570073). The Guidance and/or advice contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK. We are a credit broker, not a lender. ICO Z3021614.

Our registered office is The 1812 Building, Wheatley Park, Mirfield, West Yorkshire, WF14 8HE.

The Financial Conduct Authority does not regulate Will Writing, Estate Planning and some forms of Mortgages.

The rates shown are for illustrative purposes only, they should not be taken as any form of advice or recommendation. Actual mortgage quotes are based on individual circumstances. *Example rate shown is a 5 year fixed rate mortgage from HSBC with an initial rate of 3.99% for 5 years; then reverts to SVR after intro period (26/03/2025).

Where you have a complaint or dispute with us and we are unable to resolve this to your satisfaction then we are obliged to offer you the Financial Ombudsman Service to help resolve this. Please see the following link for further details: www.financial-ombudsman.org.uk.

Terms & Conditions

We conduct both regulated and unregulated business and therefore not all products provided through us are regulated by the Financial Conduct Authority. We will receive commission from lenders. Different lenders pay different amounts depending on different commission models. For transparency we work with the following commission models: fixed fee, fixed rate of commission, percentage of the amount you borrow and rate for risk (this is based on the risk profile of the business). Further details of the commission model, calculation and amount will be disclosed to you throughout your customer journey.

At Echo Finance, we strive to provide informative guides and tips, however, please note that you use the information provided at your own risk. We cannot be held liable for any issues that arise from using the information provided.

The information found on our website is not tailored advice specifically for each individual reader and therefore should not be taken as financial advice.

Our team is updated regularly to keep up with changing lender criteria and policies, so be sure to contact one of our advisors for accurate up-to-date information. All of the advisors we work with are qualified to provide advice and partner with firms authorised and regulated by the Financial Conduct Authority. These specialists are regulated professionals who can provide tailored advice that fits your needs.