Later Life Lending · In association with OMH Financial
Later-life lending is not one single answer. These short questionnaires help you explore what may be worth discussing, based on what matters to you.
Five simple questions. No financial jargon. No instant sales call. No suggestion that you qualify for a particular product.
Jan Nurden
Later Life Lending Adviser
A gentle starting point
You may be wondering whether to stay in your home, repay an existing mortgage, support your family, plan for future care or simply understand what choices exist. Start with the situation that feels closest to yours.
Begin where you are
No mortgage terminology required.
Around two minutes
Five questions, at your own pace.
A clear guide follows
Read in your own time. No pressure.
Four questionnaires · Choose what feels closest
Each questionnaire is short, calm and educational. There are no right or wrong answers, and you can choose "I'm not sure" whenever you would prefer to discuss something later.
A gentle starting point if you want to understand which later-life lending conversations may be relevant to you.
For: Anyone beginning to explore their options
Takes: About two minutes · five questions
"I'm not sure" is always an option.
For homeowners who have reached a crossroads and are unsure whether to remain, adapt, move or downsize.
For: Homeowners weighing up their home
Takes: About two minutes · five questions
"I'm not sure" is always an option.
For people considering whether their property could help with a mortgage, retirement plans, family support or future financial resilience.
For: Looking at the wider picture of property wealth
Takes: About two minutes · five questions
"I'm not sure" is always an option.
A respectful guide for sons, daughters and family members who want to help without placing their parents under pressure.
For: Adult children and trusted relatives
Takes: About two minutes · five questions
"I'm not sure" is always an option.
Why this feels different
This is not a calculator, a comparison site or a quotation tool. It is a thoughtful starting point built around the person, not the product.
Before discussing mortgages, Jan wants to understand what you want to protect, change or achieve.
Later-life lending may be worth exploring, but so may downsizing, another mortgage route, specialist advice or simply waiting.
Where you are comfortable, Jan encourages open conversations with the people who may be affected.
Retirement income, inheritance, a partner's security, moving plans and possible care needs can all form part of the picture.
Meet Jan
Jan's passion for later-life advice grew from watching her own parents consider a property-related financial arrangement without feeling fully supported or properly informed. The experience left a lasting impression.
Today Jan is determined that the people she speaks with receive clear explanations, time to understand, suitable professional advice, space to involve family, and respect for their individual circumstances.
I tend to look after my later-life clients in the way I would want someone to look after my own parents.
How it works
No need to know any mortgage terminology.
You can select 'I'm not sure' whenever you do not know an answer.
Read it in your own time, or arrange a conversation if and when you feel ready.
The guide
Jan's guide explains the wider picture, in plain English, so you have time to think and discuss it with the people who matter to you.
Common concerns
Honest, conditional answers — never sales talk.
Looking at the wider picture
Future care, adapting the home, supporting a partner and retaining future choices can all deserve careful consideration. Jan does not provide specialist legal, tax, investment or care advice, but where appropriate she can introduce you to relevant specialists.
A good later-life conversation respects the wider picture — not just today's numbers.
Choose the questionnaire that feels closest to your situation. It takes around two minutes and there is always an "I'm not sure" option.
