Remortgage

There are many reasons people choose to remortgage their home.

Some want to reduce their monthly repayments or consolidate existing debts. Others are looking for a more flexible mortgage that suits their current circumstances. You might even want to release equity built up in your property over time.

While the idea of remortgaging can feel overwhelming, Primary FS Lifetime Partners will be by your side every step of the way. Your dedicated case handler will coordinate with your new lender and solicitor to make the transition smooth and well-timed—ensuring everything is in place before your current rate ends and switches to the standard variable.

We also understand that life isn’t always straightforward. If your credit history includes missed payments, defaults, or County Court Judgements, don’t assume you’re out of options. Lending criteria are constantly evolving, and many lenders now offer solutions for clients with adverse credit. Whether you’re self-employed, retired, or facing complex circumstances, we’ll help you find a suitable remortgage option. It’s always worth a conversation.

Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Home Mover Advice

Moving house is often listed as one of the top three most stressful life events, and it’s easy to see why. There’s a lot to consider when choosing your next home.

Once you’ve decided where you’d like to live, your attention naturally turns to your new mortgage. You might be asking yourself:

• How much will it cost?

• Is it affordable for me?

• How much deposit will I need?

• What type of mortgage should I choose?

• Will I even be able to get a mortgage?

The mortgage market can feel overwhelming, with so many options available and so much to think about.

At Primary FS Lifetime Partners, you can feel confident knowing we’re here to support you. We’ll guide you through the process of not just finding a mortgage, but finding the right one for your situation.

We’re proud to offer a truly personal service. Your financial circumstances are unique, so we take the time to understand your goals and provide recommendations based on a detailed assessment of your needs.

You’ll have a dedicated case handler who will liaise with your estate agent, your new lender, your solicitor and of course with you, to help reduce the stress of moving. That way, you can focus on the more enjoyable parts, like choosing paint colours or shopping for new furniture.

Bad Credit Mortgages

We understand that having a history of bad credit can make it feel difficult to secure a mortgage, but with support from our specialist advisors, you may still have options.

At Primary FS Lifetime Partners, we help clients find the right mortgage product even when their credit score isn’t perfect. County Court Judgements, defaults or missed payments aren’t reasons to avoid speaking to us. Mortgage criteria are constantly changing, and many lenders are now more open to working with people who have adverse credit histories.

There’s no harm in asking the question. Our experienced advisors are committed to finding a mortgage that suits your individual financial circumstances, giving you a clear path forward and practical support along the way.

Check your credit report here

By clicking this link, you will need to register your details with Checkmyfile and enter into a free 30-day trial period. This will allow enough time for you to register your information and download your report. You are free to cancel this trial period at any time during the 30-day free trial period without penalty. Should you fail, or choose not to do so, Checkmyfile will charge you a subscription fee of £14.99 per month thereafter.

– To get the best from this service please ensure you register all of your primary and/or associated addresses within the last 6 years.

– Primary FS Lifetime Partners will receive a payment of £12 per free trial entered into via the link to Checkmyfile’s website. This is payable whether you cancel the free trial period or not.

– It should be noted that lenders will not be assessing the report produced from Checkmyfile and will undertake their own research and assessment

– By clicking the link you’re departing from the regulatory website of Primary FS Lifetime Partners. Neither Primary FS Lifetime Partners nor Quilter Financial Planning are responsible for the accuracy of the information contained with their site. Details of how to unsubscribe or cancel this service is available directly from the Checkmyfile website under their T&C’s which states “if you wish to cancel your subscription, please log in and send us a Secure message at any time, email us, or call us on our Freephone telephone number 0800 086 9360 during normal office hours. In all cases we will provide you with a cancellation reference code in confirmation”.

Self-Employed Mortgages

It’s a common misconception that being self-employed makes it difficult to get a mortgage. In reality, self-employed borrowers have access to the same range of mortgage products as anyone else. The key is being able to demonstrate your income clearly.

Whether you’re a sole trader, limited company director or contractor, most lenders will typically ask for at least two years of accounts, SA302s and tax year overviews to assess affordability.

At Primary FS Lifetime Partners, your dedicated advisor will take the time to understand how your income is structured and what documentation is needed for your specific situation. We will tailor a mortgage that works for you and guide you through the process, helping you meet the lender’s criteria with confidence.

Self Build Mortgages

The world of self build mortgages can feel daunting, but at Primary FS Lifetime Partners, we are in a unique position to view things from a lender’s perspective. This helps us understand exactly how these mortgage products are structured and what is required at each stage.

If you are not in a position to build your home using savings or the proceeds from the sale of a previous property, you may need to borrow funds to finance the project. This is where a self build mortgage becomes essential.

Each lender offering self build mortgages will have its own specific criteria, but most will require copies of your build plans and planning permission. These documents are usually reviewed by the lender’s valuer either before or during inspections of the land and throughout the construction process.

Our specialist self build advisor will support you every step of the way, answering any questions you may have and liaising with the lender or any other parties involved. At Primary FS Lifetime Partners, we take pride in helping our clients bring their dream homes to life and are always delighted when they return to us to remortgage once the build is complete.

Insurance Advice

Most of us don’t think twice about insuring our homes, cars, holidays, pets or even our appliances, but it’s easy to overlook protection for what matters most — ourselves and our loved ones.

Having the right insurance in place can provide essential peace of mind. Whether it’s life insurance, critical illness cover or income protection, these policies are designed to support you and your family when life takes an unexpected turn.

No one wants to imagine something going wrong, but making sure you’re covered means that your family’s lifestyle, home and future plans can stay secure even if circumstances change.

We help individuals and families understand how unexpected events such as serious illness, accidents, or changes in employment could impact their financial stability and lifestyle. We work closely with clients to put thoughtful protection plans in place — aiming to reduce risk where possible, preserve their assets for the future, and offer guidance on ways to manage or reduce potential inheritance tax.

At Primary FS Lifetime Partners, we take the time to understand your priorities and guide you to the most suitable protection for your personal situation. It’s about being prepared, staying protected and feeling confident in whatever life brings.

Other areas of expertise include:

• Income Protection
• Key Man Protection
• Critical Illness Cover
• Business Loan Protection
• General Household Insurance

If you’re a homeowner over the age of 55, equity release offers you a way to use the value of your home to raise money.

It is advised that you seek Independent Legal advice before entering into a legally binding equity release contract.

Why do people consider Equity Release?
1. To provide an additional income
2. To provide lifetime gifts to relatives
3. For home improvements
4. For holiday home purchase
5. To fund long term care

Equity Release will reduce the value of your estate and can affect your eligibility for means tested benefits.

Tax treatment varies according to individual circumstance and is subject to change

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