{"id":6,"date":"2026-08-21T01:40:35","date_gmt":"2026-08-21T01:40:35","guid":{"rendered":"https:\/\/devu22.stagingtestserver.com\/Lendwise\/?page_id=6"},"modified":"2026-09-14T23:35:13","modified_gmt":"2026-09-14T23:35:13","slug":"home","status":"publish","type":"page","link":"https:\/\/devu22.stagingtestserver.com\/Lendwise\/","title":{"rendered":"Home"},"content":{"rendered":"[vc_row type=”full_width_content” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” video_bg=”use_video” video_mp4=”https:\/\/devu22.stagingtestserver.com\/Lendwise\/wp-content\/uploads\/2026\/08\/3679666-hd_1920_1080_30fps.mp4″ background_video_loading=”default” scene_position=”center” text_color=”light” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” row_position_desktop=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” id=”slider-sec” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” gradient_type=”default” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” flex_gap_desktop=”10px” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text css_animation=”fadeInLeft” css=”” text_direction=”default”]\n
Mortgages \u2022 Protection \u2022 Equity \u2022 Financial Guidance<\/h5>\n

ADVICE THAT FITS
\nTHE LIFE YOU
\nARE BUILDING<\/h1>\n[\/vc_column_text][nectar_btn size=”small” button_style=”regular” button_color_2=”Accent-Color” icon_family=”fontawesome” button_id=”butt-sec” text=”Explore Our Services” url=”https:\/\/devu22.stagingtestserver.com\/Lendwise\/services\/” css_animation=”fadeInUp” icon_fontawesome=”fa fa-long-arrow-right”][\/vc_column][\/vc_row][vc_row type=”full_width_background” full_screen_row_position=”middle” column_margin=”default” equal_height=”yes” content_placement=”middle” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” bg_image=”33″ bg_image_type=”default” bg_position=”center center” background_image_loading=”default” bg_repeat=”no-repeat” scene_position=”center” top_padding=”80″ bottom_padding=”80″ top_padding_tablet=”30″ bottom_padding_tablet=”30″ text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” row_position_desktop=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” id=”abt-sec” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”zoom-out-slow” gradient_type=”default” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” flex_gap_desktop=”10px” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text css=”” el_class=”cen bxx” text_direction=”default”]\n

Who We Are<\/span><\/h4>\n

BUILT ON JUDGEMENT, NOT VOLUME<\/span><\/h2>\n

Lendwise Capital UK was founded on the belief that a mortgage decision deserves more than a search result and a standard product list. As an independent mortgage broker, we give clear, considered mortgage and protection advice, shaped around your circumstances, your goals and the plans you have not made yet. Professionalism, transparency and long-term client relationships sit at the centre of how we work, and they are the habits trusted mortgage advisers are built on.<\/span><\/p>\n

Whether you are buying a first home, moving to a larger one, remortgaging, investing in property or reviewing cover you already hold, we begin by listening. We look past the numbers to the priorities and pressures behind them, then explain your options in language that makes the next step obvious. Clients come to us for expert mortgage advice in London and Essex, and we give mortgage advice UK-wide by telephone and video call.<\/span><\/p>\n

\u00a0<\/span><\/p>\n[\/vc_column_text][nectar_btn size=”small” button_style=”regular” button_color_2=”Accent-Color” icon_family=”fontawesome” button_id=”butt-sec” text=”Learn More” url=”https:\/\/devu22.stagingtestserver.com\/Lendwise\/about-us\/” css_animation=”fadeInUp” icon_fontawesome=”fa fa-long-arrow-right”][\/vc_column][\/vc_row][vc_row type=”full_width_background” full_screen_row_position=”middle” column_margin=”default” equal_height=”yes” content_placement=”middle” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” bg_image=”32″ bg_image_type=”default” bg_position=”center center” background_image_loading=”default” bg_repeat=”no-repeat” scene_position=”center” bottom_padding=”80″ bottom_padding_tablet=”30″ text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” row_position_desktop=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” id=”meet-sec” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”zoom-out-slow” gradient_type=”default” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” flex_gap_desktop=”10px” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][image_with_animation image_url=”31″ image_size=”full” max_width=”100%” max_width_mobile=”default” animation_type=”entrance” animation=”Fade In From Left” animation_easing=”default” animation_movement_type=”transform_y” hover_animation=”none” alignment=”” border_radius=”none” box_shadow=”none” image_loading=”default”][\/vc_column][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” flex_gap_desktop=”10px” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text css_animation=”fadeInRight” css=”” el_class=”bxx” text_direction=”default”]\n

Meet Your Adviser<\/span><\/h4>\n

MUSFIRAH IJAZ<\/span><\/h2>\n
Director | Lendwise Capital UK<\/span><\/h5>\n

IRN: MX100280<\/strong><\/span><\/p>\n

Musfirah Ijaz founded Lendwise Capital UK to build the kind of advice firm she would send her own family to. She is driven by helping clients make confident, well-informed decisions about property and financial protection, backed by a service that is professional, personal and genuinely trustworthy. She works with clients as a mortgage adviser in London, across Essex, and remotely throughout the country.<\/span><\/p>\n

Her qualifications include Level 3 certificates in Mortgage Advice, Protection and Equity Release, together with the Level 4 Diploma in Financial Advice (DipFA). That training shapes how she works, bringing an analytical eye to affordability and lender criteria while keeping the client’s priorities, rather than the product, at the front of every recommendation.<\/span>[\/vc_column_text][nectar_btn size=”small” button_style=”regular” button_color_2=”Accent-Color” icon_family=”fontawesome” button_id=”butt-sec” text=”Learn More” url=”https:\/\/devu22.stagingtestserver.com\/Lendwise\/about-the-advisor\/” css_animation=”fadeInUp” icon_fontawesome=”fa fa-long-arrow-right”][\/vc_column][\/vc_row][vc_row type=”full_width_content” full_screen_row_position=”middle” column_margin=”default” equal_height=”yes” content_placement=”middle” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” bg_image=”25″ bg_image_type=”default” bg_position=”center center” background_image_loading=”default” bg_repeat=”no-repeat” scene_position=”center” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” row_position_desktop=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” id=”sim-sec” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” gradient_type=”default” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” flex_gap_desktop=”10px” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text css_animation=”fadeInLeft” css=”” el_class=”bxx” text_direction=”default”]\n

Your Journey, Made Clear<\/span><\/h4>\n

FOUR SIMPLE STEPS
\nIS ALL IT TAKES<\/span><\/h2>\n[\/vc_column_text][vc_row_inner equal_height=”yes” content_placement=”top” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all” el_id=”aa-sec”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” flex_gap_desktop=”10px” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text css_animation=”fadeInUp” css=”” text_direction=”default”]\n

01<\/h4>\n

Book<\/h3>\n

Pick a time that suits you and get in touch.<\/span>[\/vc_column_text][\/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” flex_gap_desktop=”10px” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text css_animation=”fadeInUp” css=”” text_direction=”default”]\n

02<\/h4>\n

Understand<\/h3>\n

We explore your circumstances, plans, and financial objectives in detail.<\/span>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner equal_height=”yes” content_placement=”top” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all” el_id=”aa-sec”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” flex_gap_desktop=”10px” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text css_animation=”fadeInUp” css=”” text_direction=”default”]\n

03<\/h4>\n

Compare<\/h3>\n

We research suitable options and explain what each one means.<\/span>[\/vc_column_text][\/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” flex_gap_desktop=”10px” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text css_animation=”fadeInUp” css=”” text_direction=”default”]\n

04<\/h4>\n

Complete<\/h3>\n

We manage the application and keep you informed at every stage.<\/span>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][nectar_btn size=”small” button_style=”regular” button_color_2=”Accent-Color” icon_family=”fontawesome” button_id=”butt-sec” text=”Explore Our Services” url=”https:\/\/devu22.stagingtestserver.com\/Lendwise\/services\/” css_animation=”fadeInUp” icon_fontawesome=”fa fa-long-arrow-right”][image_with_animation image_url=”55″ image_size=”full” max_width=”100%” max_width_mobile=”default” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”none” alignment=”” border_radius=”none” box_shadow=”none” image_loading=”default” el_class=”mgg”][\/vc_column][\/vc_row][vc_row type=”full_width_content” full_screen_row_position=”middle” column_margin=”default” equal_height=”yes” content_placement=”middle” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” top_padding=”80″ bottom_padding=”80″ top_padding_tablet=”30″ bottom_padding_tablet=”30″ text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” row_position_desktop=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” id=”und-sec” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” gradient_type=”default” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” content_layout=”default” gradient_type=”default”][vc_column_text css=”” el_class=”cen bxx” text_direction=”default”]\n

RUN THE NUMBERS BEFORE
\nYOU FALL IN LOVE<\/span><\/h2>\n

Enter a loan amount, interest rate and term to estimate your monthly repayments. It is a useful starting point for framing your budget,
\nand a conversation with an adviser will give you figures based on your full circumstances.<\/span><\/p>\n[\/vc_column_text][vc_row_inner equal_height=”yes” content_placement=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all” el_id=”j-sec”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” el_class=”lft” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/2″ tablet_width_inherit=”default” animation_type=”scroll_pos_advanced” animation_trigger_offset=”0.00,50.00″ animation_start_translate_x=”-800″ animation_end_translate_x=”1″ bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” content_layout=”default” gradient_type=”default” animation_adv_start_end=”end”][image_with_animation image_url=”23″ image_size=”full” max_width=”100%” max_width_mobile=”default” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”none” alignment=”” border_radius=”none” box_shadow=”none” image_loading=”default”][\/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” el_class=”ryt” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” content_layout=”default” gradient_type=”default”][vc_column_text css_animation=”fadeInUp” css=”” text_direction=”default”]\n

Find Your Best Mortgage Offer<\/span><\/h3>\n[\/vc_column_text][vc_column_text css=”” text_direction=”default”]

Monthly Mortgage Payments<\/h2>

<\/p><\/form>

<\/div><\/div><\/form>\n<\/div>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row type=”full_width_background” full_screen_row_position=”middle” column_margin=”default” equal_height=”yes” content_placement=”middle” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” bg_image=”25″ bg_image_type=”default” bg_position=”center center” background_image_loading=”default” bg_repeat=”no-repeat” scene_position=”center” top_padding=”80″ bottom_padding=”80″ top_padding_tablet=”30″ bottom_padding_tablet=”30″ text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” row_position_desktop=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” id=”ser-sec” disable_element=”yes” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” gradient_type=”default” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” flex_gap_desktop=”10px” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text css_animation=”fadeInUp” css=”” el_class=”cen bxx light” text_direction=”default”]\n

Our Services<\/span><\/h4>\n

SIX WAYS, WE HELP
\nYOU DECIDE WELL<\/h2>\n[\/vc_column_text][tabbed_section style=”vertical” tab_color=”Accent-Color” vs_content_animation=”fade” vs_link_animation=”opacity” vs_navigation_alignment=”left” vs_navigation_width_2=”25%” vs_navigation_func=”default” vs_navigation_width=”regular” vs_navigation_spacing=”15px” vs_navigation_mobile_display=”visible” vs_tab_spacing=”5%”][tab icon_family=”none” title=”Mortgage Advice” id=”1789428247016-8″ tab_id=”1789428247017-1″][vc_row_inner equal_height=”yes” content_placement=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all” el_id=”bb-sec”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ background_image=”22″ background_image_position=”center center” background_image_stacking=”default” background_image_loading=”default” column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” el_class=”lft” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” content_layout=”default” gradient_type=”default”][\/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” el_class=”ryt” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” content_layout=”default” gradient_type=”default”][vc_column_text css=”” text_direction=”default”]\n

\"\"<\/h6>\n

Mortgage Advice<\/span><\/h3>\n

Buying a home involves more moving parts than the headline rate suggests. Lenders reach different conclusions on identical information, and the term, fees, early repayment charges and flexibility all change what a deal actually costs you over time. We assess all of it before we recommend anything. That assessment is the real work of a mortgage broker London buyers can rely on, where prices, deposits and lender appetite rarely line up neatly.<\/span><\/p>\n

We advise first-time buyers, home movers and clients with less straightforward income, including company directors, contractors and those paid in bonus or commission. You receive an honest affordability picture early, an Agreement in Principle to strengthen your offer, and support through survey, legal work and completion.<\/span>[\/vc_column_text][nectar_btn size=”small” button_style=”regular” button_color_2=”Accent-Color” icon_family=”fontawesome” button_id=”butt-sec” text=”Learn More” url=”https:\/\/devu22.stagingtestserver.com\/Lendwise\/mortgage-advice\/” css_animation=”fadeInUp” icon_fontawesome=”fa fa-long-arrow-right”][\/vc_column_inner][\/vc_row_inner][\/tab][tab icon_family=”none” title=”Remortgage Advice” id=”1789428247141-10″ tab_id=”1789428247141-4″][vc_row_inner equal_height=”yes” content_placement=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all” el_id=”bb-sec”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ background_image=”51″ background_image_position=”center center” background_image_stacking=”default” background_image_loading=”default” column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” el_class=”lft” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” content_layout=”default” gradient_type=”default”][\/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” el_class=”ryt” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” content_layout=”default” gradient_type=”default”][vc_column_text css=”” text_direction=”default”]\n

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Remortgage Advice<\/span><\/h3>\n

When a fixed rate ends, most lenders move you onto their standard variable rate, which is usually a good deal more expensive. The window to act sensibly opens around six months before your current deal expires, and many offers can be secured in advance and held.<\/span><\/p>\n

We review your existing arrangement, your property value and your wider position, then compare staying with your current lender against moving elsewhere. Remortgaging can also raise funds for home improvements or restructure existing borrowing, and we will talk through whether that is genuinely the right route for you.<\/span>[\/vc_column_text][nectar_btn size=”small” button_style=”regular” button_color_2=”Accent-Color” icon_family=”fontawesome” button_id=”butt-sec” text=”Learn More” url=”https:\/\/devu22.stagingtestserver.com\/Lendwise\/retirement-planning\/” css_animation=”fadeInUp” icon_fontawesome=”fa fa-long-arrow-right”][\/vc_column_inner][\/vc_row_inner][\/tab][tab icon_family=”none” title=”Protection Advice” id=”1789428247218-3″ tab_id=”1789428247218-1″][vc_row_inner equal_height=”yes” content_placement=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all” el_id=”bb-sec”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ background_image=”55″ background_image_position=”center center” background_image_stacking=”default” background_image_loading=”default” column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” el_class=”lft” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” content_layout=”default” gradient_type=”default”][\/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” el_class=”ryt” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” content_layout=”default” gradient_type=”default”][vc_column_text css=”” text_direction=”default”]\n

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Protection Advice<\/span><\/h3>\n

Arranging a mortgage secures the property. Protection secures the household’s ability to keep paying for it. Life cover, critical illness cover and income protection each answer a different question, and the differences between insurers sit in the policy wording rather than in the monthly premium.<\/span><\/p>\n

We start from what you owe, what you earn and what your employer already provides, then identify the genuine gaps. If you hold cover arranged some years ago, we will review whether it still reflects your mortgage, your income and your family. Occasionally the right advice is to leave it alone.<\/span>[\/vc_column_text][nectar_btn size=”small” button_style=”regular” button_color_2=”Accent-Color” icon_family=”fontawesome” button_id=”butt-sec” text=”Learn More” url=”https:\/\/devu22.stagingtestserver.com\/Lendwise\/protection-advise\/” css_animation=”fadeInUp” icon_fontawesome=”fa fa-long-arrow-right”][\/vc_column_inner][\/vc_row_inner][\/tab][tab icon_family=”none” title=”Buy to Let Advice” id=”1789428247293-2″ tab_id=”1789428247293-4″][vc_row_inner equal_height=”yes” content_placement=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all” el_id=”bb-sec”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ background_image=”54″ background_image_position=”center center” background_image_stacking=”default” background_image_loading=”default” column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” el_class=”lft” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” content_layout=”default” gradient_type=”default”][\/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” el_class=”ryt” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” content_layout=”default” gradient_type=”default”][vc_column_text css=”” text_direction=”default”]\n

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Buy to Let Advice<\/span><\/h3>\n

Buy-to-let lending follows its own logic. Lenders test projected rental income against the mortgage payment using stress calculations that vary widely between them, and the picture changes again for higher-rate taxpayers and for purchases held through a limited company. Structure matters as much as rate here.<\/span><\/p>\n

We advise landlords buying a first investment property and those refinancing an established portfolio. Expect a straightforward assessment of what the rental figures will support, which lenders suit your structure, and where the costs actually fall. Some forms of buy-to-let are not regulated by the Financial Conduct Authority.<\/span>[\/vc_column_text][nectar_btn size=”small” button_style=”regular” button_color_2=”Accent-Color” icon_family=”fontawesome” button_id=”butt-sec” text=”Learn More” url=”https:\/\/devu22.stagingtestserver.com\/Lendwise\/investment-advise\/” css_animation=”fadeInUp” icon_fontawesome=”fa fa-long-arrow-right”][\/vc_column_inner][\/vc_row_inner][\/tab][tab icon_family=”none” title=”Equity Release Advice” id=”1789428247350-10″ tab_id=”1789428247351-8″][vc_row_inner equal_height=”yes” content_placement=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all” el_id=”bb-sec”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ background_image=”57″ background_image_position=”center center” background_image_stacking=”default” background_image_loading=”default” column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” el_class=”lft” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” content_layout=”default” gradient_type=”default”][\/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” el_class=”ryt” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” content_layout=”default” gradient_type=”default”][vc_column_text css=”” text_direction=”default”]\n

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Equity Release Advice<\/span><\/h3>\n

For homeowners aged 55 and over, equity release can convert part of a property’s value into accessible funds while allowing you to remain in your home. It is a significant, long-term decision that affects the value of your estate and can affect your entitlement to means-tested benefits.<\/span><\/p>\n

Because of that, we treat it slowly and thoroughly. We explain how a lifetime mortgage works, what the compounding interest does over time, what alternatives exist, and why involving your family in the conversation is usually worthwhile. You will receive a personalised illustration before any decision is made.<\/span>[\/vc_column_text][nectar_btn size=”small” button_style=”regular” button_color_2=”Accent-Color” icon_family=”fontawesome” button_id=”butt-sec” text=”Learn More” url=”https:\/\/devu22.stagingtestserver.com\/Lendwise\/equity-advice\/” css_animation=”fadeInUp” icon_fontawesome=”fa fa-long-arrow-right”][\/vc_column_inner][\/vc_row_inner][\/tab][tab icon_family=”none” title=”Financial Guidance” id=”1789428247470-7″ tab_id=”1789428247471-6″][vc_row_inner equal_height=”yes” content_placement=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all” el_id=”bb-sec”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ background_image=”59″ background_image_position=”center center” background_image_stacking=”default” background_image_loading=”default” column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” el_class=”lft” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” content_layout=”default” gradient_type=”default”][\/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” el_class=”ryt” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” content_layout=”default” gradient_type=”default”][vc_column_text css=”” text_direction=”default”]\n

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Financial Guidance<\/span><\/h3>\n

Mortgages and protection rarely sit in isolation. A house move affects savings, a new baby affects cover, and a change of employment affects both. Our role is to help you see how those pieces connect, so that a decision made this year still makes sense in five. That joined-up view is the part of financial advice UK households rarely receive in one place.<\/span><\/p>\n

Lendwise Capital UK is building its advice offering as the firm develops, and we are clear about the boundaries of what we can advise on today. Where a question sits outside our current permissions, we will say so directly and help you find the right specialist.<\/span>[\/vc_column_text][nectar_btn size=”small” button_style=”regular” button_color_2=”Accent-Color” icon_family=”fontawesome” button_id=”butt-sec” text=”Learn More” url=”https:\/\/devu22.stagingtestserver.com\/Lendwise\/financial-advise\/” css_animation=”fadeInUp” icon_fontawesome=”fa fa-long-arrow-right”][\/vc_column_inner][\/vc_row_inner][\/tab][\/tabbed_section][\/vc_column][\/vc_row][vc_row type=”full_width_background” full_screen_row_position=”middle” column_margin=”default” equal_height=”yes” content_placement=”middle” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” bg_image=”25″ bg_image_type=”default” bg_position=”center center” background_image_loading=”default” bg_repeat=”no-repeat” scene_position=”center” top_padding=”80″ bottom_padding=”120″ top_padding_tablet=”30″ bottom_padding_tablet=”30″ text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” row_position_desktop=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” id=”ser-sec” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” gradient_type=”default” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” flex_gap_desktop=”10px” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text css_animation=”fadeInUp” css=”” el_class=”cen bxx light” text_direction=”default”]\n

Our Services<\/span><\/h4>\n

SIX WAYS, WE HELP
\nYOU DECIDE WELL<\/h2>\n[\/vc_column_text][tabbed_section style=”vertical_scrolling” tab_color=”Accent-Color” vs_navigation_func=”default” vs_navigation_width=”regular” vs_navigation_spacing=”15px” vs_navigation_mobile_display=”visible” vs_tab_spacing=”5%” vs_tab_tag=”p” vs_cta_style=”see-through” vs_cta_bg_color=”default” vs_cta_heading_tag=”h6″ vs_sticky_aspect=”default”][tab icon_family=”none” title=”Protection Advice” id=”1789428247654-4″ tab_id=”1789428247654-9″][vc_row_inner equal_height=”yes” content_placement=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all” el_id=”bb-sec”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ background_image=”55″ background_image_position=”center center” background_image_stacking=”default” background_image_loading=”default” column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” el_class=”lft” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” content_layout=”default” gradient_type=”default”][\/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” el_class=”ryt” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” content_layout=”default” gradient_type=”default”][vc_column_text css=”” text_direction=”default”]\n

\"\"<\/h6>\n

Protection Advice<\/span><\/h3>\n

Arranging a mortgage secures the property. Protection secures the household\u2019s ability to keep paying for it. Mortgage protection insurance is the part that keeps the arrangement standing when income stops.<\/span><\/p>\n

It is the part of the process people rush, usually at the end, usually while tired. It is also the part that matters most on the day something goes wrong. Lendwise Capital protection advice treats it as a proper advice exercise rather than a box to close.<\/span>[\/vc_column_text][nectar_btn size=”small” button_style=”regular” button_color_2=”Accent-Color” icon_family=”fontawesome” button_id=”butt-sec” text=”Learn More” url=”https:\/\/devu22.stagingtestserver.com\/Lendwise\/protection-advise\/” css_animation=”fadeInUp” icon_fontawesome=”fa fa-long-arrow-right”][\/vc_column_inner][\/vc_row_inner][\/tab][tab icon_family=”none” title=”Life insurance” id=”1789428247740-3″ tab_id=”1789428247741-4″][vc_row_inner equal_height=”yes” content_placement=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all” el_id=”bb-sec”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ background_image=”448″ background_image_position=”center center” background_image_stacking=”default” background_image_loading=”default” column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” el_class=”lft” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” content_layout=”default” gradient_type=”default”][\/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” el_class=”ryt” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” content_layout=”default” gradient_type=”default”][vc_column_text css=”” text_direction=”default”]\n

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Life insurance<\/span><\/h3>\n

Life cover pays out if you die during the policy term. Most often it is arranged to clear a mortgage, so that a partner or children can stay in the home without facing a sudden decision at the worst possible moment.<\/span><\/p>\n

It is the simplest product in the protection range and the one most often bought without thought. A few decisions taken properly at the outset change what it is worth on the day it is needed.<\/span>[\/vc_column_text][nectar_btn size=”small” button_style=”regular” button_color_2=”Accent-Color” icon_family=”fontawesome” button_id=”butt-sec” text=”Learn More” url=”https:\/\/devu22.stagingtestserver.com\/Lendwise\/life-insurance\/” css_animation=”fadeInUp” icon_fontawesome=”fa fa-long-arrow-right”][\/vc_column_inner][\/vc_row_inner][\/tab][tab icon_family=”none” title=”Critical Illness Cover” id=”1789428247847-9″ tab_id=”1789428247847-8″][vc_row_inner equal_height=”yes” content_placement=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all” el_id=”bb-sec”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ background_image=”59″ background_image_position=”center center” background_image_stacking=”default” background_image_loading=”default” column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” el_class=”lft” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” content_layout=”default” gradient_type=”default”][\/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” el_class=”ryt” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” content_layout=”default” gradient_type=”default”][vc_column_text css=”” text_direction=”default”]\n

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Critical Illness Cover<\/span><\/h3>\n

Critical illness cover pays a lump sum on diagnosis of a condition named in the policy, provided you survive a short period afterwards. The money is yours to use as you choose, whether that means clearing the mortgage, adapting the house or simply not working for a year.<\/span><\/p>\n

The value sits almost entirely in the definitions. Two policies can differ by a few pounds a month and by a great deal in what they actually pay for.<\/span>[\/vc_column_text][nectar_btn size=”small” button_style=”regular” button_color_2=”Accent-Color” icon_family=”fontawesome” button_id=”butt-sec” text=”Learn More” url=”https:\/\/devu22.stagingtestserver.com\/Lendwise\/critical-illness-cover\/” css_animation=”fadeInUp” icon_fontawesome=”fa fa-long-arrow-right”][\/vc_column_inner][\/vc_row_inner][\/tab][tab icon_family=”none” title=”Income Protection” id=”1789428247967-8″ tab_id=”1789428247967-3″][vc_row_inner equal_height=”yes” content_placement=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all” el_id=”bb-sec”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ background_image=”446″ background_image_position=”center center” background_image_stacking=”default” background_image_loading=”default” column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” el_class=”lft” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” content_layout=”default” gradient_type=”default”][\/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” el_class=”ryt” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” content_layout=”default” gradient_type=”default”][vc_column_text css=”” text_direction=”default”]\n

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Income Protection<\/span><\/h3>\n

Income protection replaces part of your earnings if illness or injury stops you from working. It continues until you return, until the policy term ends, or until retirement, depending on how it is set up.<\/span><\/p>\n

It is the least bought and most useful policy in the protection range. Most households can absorb a month without income. Very few can absorb a year.<\/span>[\/vc_column_text][nectar_btn size=”small” button_style=”regular” button_color_2=”Accent-Color” icon_family=”fontawesome” button_id=”butt-sec” text=”Learn More” url=”https:\/\/devu22.stagingtestserver.com\/Lendwise\/income-protection\/” css_animation=”fadeInUp” icon_fontawesome=”fa fa-long-arrow-right”][\/vc_column_inner][\/vc_row_inner][\/tab][tab icon_family=”none” title=”Financial Planning” id=”1789428248055-5″ tab_id=”1789428248055-4″][vc_row_inner equal_height=”yes” content_placement=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all” el_id=”bb-sec”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ background_image=”447″ background_image_position=”center center” background_image_stacking=”default” background_image_loading=”default” column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” el_class=”lft” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” content_layout=”default” gradient_type=”default”][\/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” el_class=”ryt” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” content_layout=”default” gradient_type=”default”][vc_column_text css=”” text_direction=”default”]\n

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Financial Planning<\/span><\/h3>\n

Financial planning is the work of making your arrangements agree with each other. Savings, pensions, tax allowances and protection are usually bought separately, years apart, from different people, and they end up pulling in slightly different directions.<\/span><\/p>\n

We start with the whole position rather than the product in front of you, which is a slower first conversation and a more useful one.<\/span>[\/vc_column_text][nectar_btn size=”small” button_style=”regular” button_color_2=”Accent-Color” icon_family=”fontawesome” button_id=”butt-sec” text=”Learn More” url=”https:\/\/devu22.stagingtestserver.com\/Lendwise\/financial-planning\/” css_animation=”fadeInUp” icon_fontawesome=”fa fa-long-arrow-right”][\/vc_column_inner][\/vc_row_inner][\/tab][tab icon_family=”none” title=”Investment Advice” id=”1789428248141-10″ tab_id=”1789428248142-5″][vc_row_inner equal_height=”yes” content_placement=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all” el_id=”bb-sec”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ background_image=”24″ background_image_position=”center center” background_image_stacking=”default” background_image_loading=”default” column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” el_class=”lft” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” content_layout=”default” gradient_type=”default”][\/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” el_class=”ryt” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” content_layout=”default” gradient_type=”default”][vc_column_text css=”” text_direction=”default”]\n

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Investment Advice<\/span><\/h3>\n

Investing is less about picking winners than most coverage suggests. It is about matching what you are trying to achieve to a level of risk you can genuinely live with, then leaving the arrangement alone long enough for it to work. Lendwise Capital investment advice is built on that principle.<\/span><\/p>\n

We approach it accordingly. No forecasts, no fashionable themes, and no assumption that more complexity means better results. Financial investment advice should be duller than the coverage that surrounds it.<\/span>[\/vc_column_text][nectar_btn size=”small” button_style=”regular” button_color_2=”Accent-Color” icon_family=”fontawesome” button_id=”butt-sec” text=”Learn More” url=”https:\/\/devu22.stagingtestserver.com\/Lendwise\/investment-advise\/” css_animation=”fadeInUp” icon_fontawesome=”fa fa-long-arrow-right”][\/vc_column_inner][\/vc_row_inner][\/tab][tab icon_family=”none” title=”Retirement Planning” id=”1789428248222-10″ tab_id=”1789428248222-1″][vc_row_inner equal_height=”yes” content_placement=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all” el_id=”bb-sec”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ background_image=”449″ background_image_position=”center center” background_image_stacking=”default” background_image_loading=”default” column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” el_class=”lft” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” content_layout=”default” gradient_type=”default”][\/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” el_class=”ryt” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” content_layout=”default” gradient_type=”default”][vc_column_text css=”” text_direction=”default”]\n

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Retirement Planning<\/span><\/h3>\n

Retirement planning suffers from bad timing. It feels remote at thirty, when small contributions do the most work, and urgent at fifty-eight, when the options have narrowed considerably. Lendwise Capital retirement planning starts earlier than most people expect, because planning for retirement is easiest to ignore at the point it is most effective.<\/span><\/p>\n

The useful moment is almost always earlier than people think. Not because retirement is close, but because the decisions available to you narrow steadily as it approaches.<\/span>[\/vc_column_text][nectar_btn size=”small” button_style=”regular” button_color_2=”Accent-Color” icon_family=”fontawesome” button_id=”butt-sec” text=”Learn More” url=”https:\/\/devu22.stagingtestserver.com\/Lendwise\/retirement-planning\/” css_animation=”fadeInUp” icon_fontawesome=”fa fa-long-arrow-right”][\/vc_column_inner][\/vc_row_inner][\/tab][tab icon_family=”none” title=”Tax Efficient Planning” id=”1789428248337-0″ tab_id=”1789428248337-8″][vc_row_inner equal_height=”yes” content_placement=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all” el_id=”bb-sec”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ background_image=”51″ background_image_position=”center center” background_image_stacking=”default” background_image_loading=”default” column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” el_class=”lft” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” content_layout=”default” gradient_type=”default”][\/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” el_class=”ryt” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” content_layout=”default” gradient_type=”default”][vc_column_text css=”” text_direction=”default”]\n

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Tax Efficient Planning<\/span><\/h3>\n

Tax-efficient planning is mostly a matter of using what is already available to you, in a sensible order, before considering anything more elaborate. Allowances reset each year, and the unused ones simply disappear.<\/span><\/p>\n

Very little of this is complicated. It is just rarely done deliberately.<\/span>[\/vc_column_text][nectar_btn size=”small” button_style=”regular” button_color_2=”Accent-Color” icon_family=”fontawesome” button_id=”butt-sec” text=”Learn More” url=”https:\/\/devu22.stagingtestserver.com\/Lendwise\/tax-efficient-planning\/” css_animation=”fadeInUp” icon_fontawesome=”fa fa-long-arrow-right”][\/vc_column_inner][\/vc_row_inner][\/tab][tab icon_family=”none” title=”Financial Advice” id=”1789428248453-10″ tab_id=”1789428248454-8″][vc_row_inner equal_height=”yes” content_placement=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all” el_id=”bb-sec”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ background_image=”54″ background_image_position=”center center” background_image_stacking=”default” background_image_loading=”default” column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” el_class=”lft” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” content_layout=”default” gradient_type=”default”][\/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” el_class=”ryt” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” content_layout=”default” gradient_type=”default”][vc_column_text css=”” text_direction=”default”]\n

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Financial Advice<\/span><\/h3>\n

Financial decisions are rarely as separate as the products that serve them. A house move changes what you can save. A new child changes what you need to protect. A change of employment changes both, and quietly alters what retirement looks like. Lendwise Capital financial advice works from the whole position rather than the product in front of you.<\/span><\/p>\n

Most people receive advice on each piece from a different person, at a different time, with no one holding the whole picture. We work the other way round, which is what independent financial advice should mean in practice.<\/span>[\/vc_column_text][nectar_btn size=”small” button_style=”regular” button_color_2=”Accent-Color” icon_family=”fontawesome” button_id=”butt-sec” text=”Learn More” url=”https:\/\/devu22.stagingtestserver.com\/Lendwise\/financial-advise\/” css_animation=”fadeInUp” icon_fontawesome=”fa fa-long-arrow-right”][\/vc_column_inner][\/vc_row_inner][\/tab][tab icon_family=”none” title=”Later-Life Planning” id=”1789428248569-1″ tab_id=”1789428248569-6″][vc_row_inner equal_height=”yes” content_placement=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all” el_id=”bb-sec”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ background_image=”450″ background_image_position=”center center” background_image_stacking=”default” background_image_loading=”default” column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” el_class=”lft” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” content_layout=”default” gradient_type=”default”][\/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” el_class=”ryt” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” content_layout=”default” gradient_type=”default”][vc_column_text css=”” text_direction=”default”]\n

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Later-Life Planning<\/span><\/h3>\n

Later-life planning covers the decisions that arrive once the mortgage is nearly done and the questions change shape. How to fund a comfortable retirement, whether to help children now rather than later, how to pay for adaptations or care, and what the house is for once the family has left it.<\/span><\/p>\n

The decisions are long-term and difficult to unwind, so we take them slowly and with your family in the room where you want them there.<\/span>[\/vc_column_text][nectar_btn size=”small” button_style=”regular” button_color_2=”Accent-Color” icon_family=”fontawesome” button_id=”butt-sec” text=”Learn More” url=”https:\/\/devu22.stagingtestserver.com\/Lendwise\/later-life-planning\/” css_animation=”fadeInUp” icon_fontawesome=”fa fa-long-arrow-right”][\/vc_column_inner][\/vc_row_inner][\/tab][tab icon_family=”none” title=”Equity Advice” id=”1789428248649-4″ tab_id=”1789428248650-0″][vc_row_inner equal_height=”yes” content_placement=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all” el_id=”bb-sec”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ background_image=”57″ background_image_position=”center center” background_image_stacking=”default” background_image_loading=”default” column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” el_class=”lft” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” content_layout=”default” gradient_type=”default”][\/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” el_class=”ryt” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” content_layout=”default” gradient_type=”default”][vc_column_text css=”” text_direction=”default”]\n

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Equity Advice<\/span><\/h3>\n

For many homeowners, the largest asset they own is the one they live in. Releasing part of that value can fund home improvements, help family onto the property ladder, clear other borrowing or simply make later life more comfortable. Releasing equity from home ownership is one of the few ways to turn that value into something usable without moving.<\/span><\/p>\n

There is more than one route to it, and they suit very different circumstances. Our role is to explain each one properly, including the one you may not have considered, and to be candid about which fits your position best. Lendwise Capital equity release advice covers every route, and home equity advice here always starts with the cheapest one that fits.<\/span>[\/vc_column_text][nectar_btn size=”small” button_style=”regular” button_color_2=”Accent-Color” icon_family=”fontawesome” button_id=”butt-sec” text=”Learn More” url=”https:\/\/devu22.stagingtestserver.com\/Lendwise\/equity-advice\/” css_animation=”fadeInUp” icon_fontawesome=”fa fa-long-arrow-right”][\/vc_column_inner][\/vc_row_inner][\/tab][\/tabbed_section][\/vc_column][\/vc_row][vc_row type=”full_width_background” full_screen_row_position=”middle” column_margin=”default” equal_height=”yes” content_placement=”middle” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” bg_image=”33″ bg_image_type=”default” bg_position=”center center” background_image_loading=”default” bg_repeat=”no-repeat” scene_position=”center” top_padding=”80″ bottom_padding=”80″ top_padding_tablet=”30″ bottom_padding_tablet=”30″ text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” row_position_desktop=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” id=”re-sec” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” gradient_type=”default” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” flex_gap_desktop=”10px” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text css_animation=”fadeInUp” css=”” el_class=”cen bxx light” text_direction=”default”]\n

What our Client Say<\/span><\/h2>\n[\/vc_column_text][carousel script=”owl_carousel” desktop_cols=”3″ desktop_small_cols=”3″ tablet_cols=”2″ mobile_cols=”1″ column_padding=”0″ loop=”true” enable_animation=”true”][item simple_slider_bg_image_position=”default” simple_slider_overlay_strength=”0.3″ simple_slider_bg_image_loading=”default” flickity_bg_image_loading=”default” flex_gap_desktop=”10px” flickity_item_link_type=”regular” id=”1789428249048-0″ tab_id=”1789428249048-4″ title=”Item”][vc_column_text css=”” text_direction=”default”]\n
\"\"<\/h6>\n

\u201cLendwise Capital was incredibly helpful throughout my mortgage search. After another lender declined me, they quickly found a suitable option and secured an offer within days. Excellent service overall.\u201d<\/span>[\/vc_column_text]

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\n
Neal Cassidy.<\/h5>\n

15 November 2025<\/span> <\/div>

<\/div><\/div>[\/item][item simple_slider_bg_image_position=”default” simple_slider_overlay_strength=”0.3″ simple_slider_bg_image_loading=”default” flickity_bg_image_loading=”default” flex_gap_desktop=”10px” flickity_item_link_type=”regular” id=”1789428249097-9″ tab_id=”1789428249097-3″ title=”Item”][vc_column_text css=”” text_direction=”default”]\n
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Lendwise Capital made the mortgage process far easier than expected. Communication was clear, updates were regular, and their patience during delays made everything feel manageable.<\/span>[\/vc_column_text]

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\n
Victoria Wickham.<\/h5>\n

18 December 2025<\/span> <\/div>

<\/div><\/div>[\/item][item simple_slider_bg_image_position=”default” simple_slider_overlay_strength=”0.3″ simple_slider_bg_image_loading=”default” flickity_bg_image_loading=”default” flex_gap_desktop=”10px” flickity_item_link_type=”regular” id=”1789428249147-5″ tab_id=”1789428249147-5″ title=”Item”][vc_column_text css=”” text_direction=”default”]\n
\"\"<\/h6>\n

I found Lendwise Capital through Google and was impressed by the smooth experience. They understood my situation, explored suitable options quickly, and provided excellent mortgage advice throughout.<\/span>[\/vc_column_text]

\"\" <\/div>
\n
Eliza Bennett<\/h5>\n

15 January 2026<\/span> <\/div>

<\/div><\/div>[\/item][item simple_slider_bg_image_position=”default” simple_slider_overlay_strength=”0.3″ simple_slider_bg_image_loading=”default” flickity_bg_image_loading=”default” flex_gap_desktop=”10px” flickity_item_link_type=”regular” id=”1789428249184-3″ tab_id=”1789428249184-2″ title=”Item”][vc_column_text css=”” text_direction=”default”]\n
\"\"<\/h6>\n

Lendwise Capital provided excellent guidance from the beginning. They explained my options clearly, offered practical advice, and made the mortgage process feel straightforward. I\u2019m very grateful for everything.<\/span>[\/vc_column_text]

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\n
Harry Hawke<\/h5>\n

26 March 2026<\/span> <\/div>

<\/div><\/div>[\/item][item simple_slider_bg_image_position=”default” simple_slider_overlay_strength=”0.3″ simple_slider_bg_image_loading=”default” flickity_bg_image_loading=”default” flex_gap_desktop=”10px” flickity_item_link_type=”regular” id=”1789428249236-7″ tab_id=”1789428249237-2″ title=”Item”][vc_column_text css=”” text_direction=”default”]\n
\"\"<\/h6>\n

They were always available, offered valuable advice, and went above and beyond while helping me secure my properties. Truly grateful.<\/span>[\/vc_column_text]

\"\" <\/div>
\n
Celia Samuel.<\/h5>\n

8 May 2026<\/span> <\/div>

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