The Later Life Lending Network Limited
Reference number: 725622
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Appointed representative
This firm does not hold FCA authorisation of its own. It acts under a principal firm, which is legally responsible for its regulated business.
Responsible principal firm
The Right Mortgage Limited Reference number: 649443 View firm →What does this mean?
- An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct.
- The Later Life Lending Network Limited (FRN 725622) is an AR of The Right Mortgage Limited (FRN 649443). When you use The Later Life Lending Network's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from The Later Life Lending Network, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances.
- Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.
Identity
Check their details
Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.
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No website on the FCA register
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Verified phone number
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Verified address
70 St. Johns Close, Knowle, Solihull, West Midlands, B93 0NH, United Kingdom
Also trades as 14 other names
- Advice For Later Life
- Best Financial Solutions
- Equity Release 2 U
- Equity Release Midlands
- Equity Release Sussex
- Equity Release Teeside
- Later Life Advisors
- Lifetime Mortgage Finance
- lifetimemortgages.info
- OurEquity
- Panda Later Life Lending
- PFS Finance
- Reynolds Financial
- Sage Equity Release
Company details
From the company's Companies House record.
- Company number
- 09832887
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 20 October 2015 (10 years old)
- Registered office
- 70 St. Johns Close, Knowle, Solihull, B93 0NH, England
- Nature of business
-
- Financial intermediation not elsewhere classified (SIC 64999)
Current directors and secretaries
| Name | Role | Born | Appointed |
|---|---|---|---|
| Adam Norman Stretton | Director | May 1965 | 20 Oct 2015 |
| Martin Gregory Wilson | Director | Oct 1959 | 20 Oct 2015 |
| Victoria Ann Clark | Director | Jul 1997 | 7 Dec 2021 |
| Jade Michelle Ann Mitchell | Director | Jun 1987 | 15 Aug 2023 |
Activities and protection
What they can do, and how you are protected
- Protection through the principal firmProtection works through The Right Mortgage Limited, the principal firm responsible for this firm's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Complaints: You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Track record
FCA actions and complaints
No FCA disciplinary action, and no complaints recorded with the Ombudsman.
Previously registered as
The FCA register holds 2 earlier registered names for this firm. A registered name changes when a firm rebrands, and a partnership's changes whenever its partners do.
- The Later Life Lending Network Ltd
- TRM Financial Ltd
Names it no longer trades under
This firm has retired 111 trading names. If you were contacted under one of these, the name did belong to this firm, but check the current details above before going ahead.
Show the retired names
- ACC Associates
- Advantage Financial Solutions
- Advice for Later Life
- Amrose Insurance Services
- Anderson Scott
- Arden Equity Release
- Banner Equity Release
- Bespoke Mortgage & Protection Services
- Best Health Protect
- Bliss Mortgage Brokers
- Bright Money Independent
- Brookhaven Financial
- Chancery Barr Financial Services
- Chigwell Financial Solutions
- Clarendon Mortgage Brokers
- Clear Planning
- Compare the Policies
- Compare the Policies (CTP)
- Covertree
- Darrell Taylor Financial Services
- Dedicated Mortgage Solutions
- DHH Mortgages
- Dorset Financial Planning
- Downsizing ER
- Easy Life Financial Services
- Easy Mortgages & Protection Solutions
- Elite Mortgages
- Equity Release 999
- Everyday Mortgages
- Four Seasons Property Finance
- Freshfield Equity Release
- Frog Financial Management
- Frontline Discount
- Future Advice
- Healthcare Clarity
- H & L Mortgages and Protection
- I.I Financial Services
- IM Mortgages
- Intouch Mortgage Services
- JMD Mortgages
- Later Years Financial Solutions
- Legacy Equity Release
- Lifetime Mortgage Solutions
- LMK Mortgages
- London Equity Release
- London Lifetime Mortgages
- Mark Hodson Equity Release and Mortgage Specialist
- Maximise Mortgages
- Maxwell Dando
- Medic Healthcare
- Merewood Financial Services
- Michael Andrew Financial Services
- Midland Mortgage Bureau
- Moneybrain (L)
- Moore Financial Solutions
- Mortgage and Protection Solutions
- Mortgage International
- Mortgage Lending Solutions
- Mortgage Maker
- Mortgage Quest
- Mortgage Superheroes
- Mortgages Warehouse
- New Mortgage Solutions
- Next Step Advice
- NLS Essex
- Paul Leonard Financial Associates
- PDM Mortgages
- Personal Face 2 Face Advice
- Premier Financial Services
- Private Healthcare Advisers
- Protect Your Health UK
- Purple House Mortgages & Finance
- Quercus Mortgages
- RC Financial
- Richard Biggin
- Roger Mandale Mortgages
- Roost Finance
- Root Financial Services
- Sarali Financial Services
- Silicon Finance
- Silveridge Financial Services
- Simply Independent
- Simply Life
- Simply Mortgage Solutions
- S.J Fahey Associates
- Skyline Mortgage Consultants
- Southwest Equity Release
- Spartan Financial Solutions
- Sportswise-Protect
- Stamford UK Financial
- Steel & Co Financial Services
- Steve Wellock Mortgage Services
- Strathon Park Financial
- Strictly Mortgages
- The Clear Equity Release
- The Employee Benefits Company
- The Equity Release Advice Company
- The Later Life Lending and Equity Release Network
- The Mortgage Crew
- The Mortgage Shop
- The Mortgage Test
- The Right Equity Release and Later Life Lending
- The Right Later Life Adviser
- The Right Protection
- True Solution Mortgage and Financial Advice
- Unleash Equity
- Vida Insurance Advisers
- Visibly Health
- Vitality Mortgages
- Woodshires Financial
- Wycena Financial Services
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Common questions
Frequently asked questions
Is The Later Life Lending Network Limited FCA authorised?
The Later Life Lending Network Limited (FRN 725622) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does appointed representative mean for The Later Life Lending Network?
An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct. The Later Life Lending Network Limited (FRN 725622) is an AR of The Right Mortgage Limited (FRN 649443). When you use The Later Life Lending Network's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from The Later Life Lending Network, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances. Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.
Is my money safe with The Later Life Lending Network?
Protection works through The Right Mortgage Limited, the principal firm responsible for The Later Life Lending Network's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is The Later Life Lending Network a scam or clone?
The Later Life Lending Network is a genuine FCA-listed firm. However, scammers sometimes clone authorised firms. Always check that the contact details you were given match those on the FCA register before sending money or sharing information.
What is The Later Life Lending Network's Firm Reference Number (FRN)?
The Later Life Lending Network's FRN is 725622. You can verify it on the FCA register.