Lifetime Mortgage Gateway

We help mid-term leaseholders unlock equity in their property

LMG manages the complex lease extension process for leaseholders with mid-term leases, from start to finish, meaning it’s seamless and stress-free for your client.

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The problem

Property owners with mid-term leases (75 years or less) cannot borrow against their home or get a lifetime mortgage due to its decaying value.

Once a lease falls below 80 years, its value starts to decrease annually and the cost of extending increases exponentially.

Explore the graph below to see how it affects your client:

Mid-term Asset Values (as % of Freehold Value), at 0% HPI Growth

Mid term asset Values (as % of Long-leasehold value) Vs 25 Lease Years Unexpired Mid term asset Values (as % of Long-leasehold value) Vs 30 Lease Years Unexpired Mid term asset Values (as % of Long-leasehold value) Vs 35 Lease Years Unexpired Mid term asset Values (as % of Long-leasehold value) Vs 40 Lease Years Unexpired Mid term asset Values (as % of Long-leasehold value) Vs 45 Lease Years Unexpired Mid term asset Values (as % of Long-leasehold value) Vs 50 Lease Years Unexpired Mid term asset Values (as % of Long-leasehold value) Vs 55 Lease Years Unexpired Mid term asset Values (as % of Long-leasehold value) Vs 60 Lease Years Unexpired Mid term asset Values (as % of Long-leasehold value) Vs 65 Lease Years Unexpired Mid term asset Values (as % of Long-leasehold value) Vs 70 Lease Years Unexpired Mid term asset Values (as % of Long-leasehold value) Vs 75 Lease Years Unexpired

The problem

Property owners with mid-term leases (75 years or less) cannot borrow against their home or get a lifetime mortgage due to its decaying value.

Once a lease falls below 80 years, its value starts to decrease annually and the cost of extending increases exponentially.

A lease extension secures the following benefits for the leaseholder:

Icon, with thin green lines representing Tax-free cash

Tax-free cash

Access to tax-free cash through a lifetime mortgage product

Icon, with thin green lines representing Protects an inheritance

Protects an inheritance

Preserving wealth for future generations

Icon, with thin green lines representing Gives back control

Gives back control

The leaseholder is no longer surrendering value in their property to the freeholder

Icon, with thin green lines representing Peace of mind

Peace of mind

A more secure future and peace of mind

Icon, with thin green lines representing Fixed rent

Fixed rent

A fixed peppercorn rent

Mid-term leaseholders surrender value to their freeholders continually

As the mid-term lease shortens, it surrenders value, and the cost of the 90-year lease extension, paid to the freeholder, increases in approximate proportion.

This means that the leaseholder’s home loses value and will continue to do so every year, while the freeholder’s asset increases – at the leaseholder’s expense.

By extending the lease using LMG’s network of trusted advisers and lenders, the leaseholder will not only be able to access a lifetime mortgage but will also stop surrendering value to the freeholder.

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Learn more about Lifetime Mortgage Gateway

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Our process

Smooth and seamless process managed by our professional team from start to finish

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Overview of enfranchisement

Learn more about enfranchisement and associated conditions, costs and exclusions

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Who is LMG Logistics?

Meet our team with market-leading experience in property, finance and enfranchisement management

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Our trusted partners

Each of the partners in the LMG team is an expert in their field:

Our partner responsible for Regulated short-term loans

Regulated short-term loans

Our partner responsible for Equity release/lifetime mortgages

Equity release/lifetime mortgages

Our partner responsible for Leasehold enfranchisement valuers

Leasehold enfranchisement valuers

Our partner responsible for Enfranchisement lawyers

Enfranchisement lawyers

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