At My Later Life, we are dedicated to providing trusted, independent advice on equity release and later life mortgages for homeowners aged 55 and over. Today we are delighted to introduce Mike Smith, a highly experienced Mortgage and Equity Release Adviser who brings deep expertise to our team and supports clients across the UK.
His extensive background in general financial planning gives him a broad and detailed understanding of clients’ needs and the wider mortgage market. Mike is committed to helping homeowners make decisions that are right for their long-term financial wellbeing.
A Personal and Independent Approach to Equity Release Mike believes that face-to-face advice is an essential part of the equity release process. He holds an initial consultation in the comfort of your own home, allowing time to explore whether equity release or a later life mortgage is the right solution for you without pressure or obligation.
Throughout the journey, Mike provides clear, jargon-free explanations of how equity release works, including how flexible modern lifetime mortgage products have become and how they may be used to:
Pay off existing mortgages
Fund home improvements
Consolidate debts
Support family members
Enhance lifestyle in retirement (Later Life Lending Network)
The money released through equity release is tax-free, and most clients retain full ownership of their home while benefitting from flexible features suited to their needs. (Later Life Lending Network)
Qualified and Regulated Advice
Mike holds professional qualifications including:
Financial Planning Certificate
CeMAP
Certificate in Regulated Equity Release (CeRER)
He is a member of the Equity Release Council, the industry body that promotes quality standards and consumer protection within the equity release market. This helps ensure that the advice he provides is fully regulated, impartial and focused on suitability for each client’s individual circumstances.
Supporting Homeowners Across the UK
Although Mike is based in West Yorkshire, his experience extends nationwide. He works with clients throughout the country and provides advice tailored to their personal goals and home value. Whether you are considering unlocking some of your property’s value or looking for solutions to support your retirement plans, Mike can help you navigate your options with confidence. (Later Life Lending Network)
Mike’s Role at My Later Life
Mike’s approach perfectly aligns with the values we uphold at My Later Life: honest, client-centred advice, delivered with patience and professionalism. His expertise in equity release and later life mortgages makes him a valuable resource for our clients who are planning their financial future with clarity and peace of mind.
If you are interested in learning more about equity release or a lifetime mortgage, visit www.my-laterlife.com to find out how Mike Smith and our team can support you in making the right choices for your retirement.
