About Us
Connect Lifetime Mortgages exists for people making financial decisions in later life.
Those decisions are rarely simple. A home can hold value, memory, security and family meaning at the same time. That is why later-life mortgage advice should not begin with a product. It should begin with a clear conversation.
Connect Lifetime Mortgages provides advice on equity release, lifetime mortgages and later-life lending. The aim is to help homeowners understand what may be possible, what may be unsuitable, and what should be considered before any decision is made.
The firm was co-founded by Richard Turner and Richard Jeremiah-Clarke. Together, they bring mortgage experience, later-life lending knowledge and a practical approach to client conversations.
Meet the Co-Founders
Richard has built his reputation by helping clients understand later-life borrowing in a direct and practical way. His work includes lifetime mortgages, home reversion considerations and wider later-life planning conversations.
Away from work, Richard is a proud husband and father to two daughters, both growing into their own paths with confidence and ambition. One has taken her next steps into university life, while the other brings energy, determination and plenty of competitive spirit to the football pitch.
Family life gives Richard a clear understanding of why financial decisions often reach beyond one person. A home can mean security, memories, future plans and support for loved ones.
He also credits his wife for keeping life organised with the same care and structure she brings to her work. That sense of balance, planning and responsibility is reflected in how Richard approaches advice.
He believes later-life mortgage advice should feel human, not distant. Clients often need time, patience and plain English before making a long-term decision.
Richard’s approach reflects an important principle. Later-life lending is not only about accessing property wealth. It is about understanding the effect that a decision may have over time.
Richard is CeMAP- and CeRER-qualified, with experience in mortgage and equity release advice. His background also includes psychology, media and finance, which helps him bring a calm, balanced approach to client conversations.
Away from work, Richard is a proud husband and father to two wonderful children. Family life keeps him grounded, busy and smiling. Whether he is being used as a punch bag by his superhero-mad son, or becoming the latest nail varnish tester for his daughter, he understands how important home and family can be.
He often jokes that his wife must be Superwoman, as she somehow manages everything at home while still finding time to fill his diary with DIY jobs. It is this family perspective that shapes how Richard speaks with clients.
For many homeowners, equity release is not just a financial question. It can involve loved ones, confidence, responsibility and peace of mind.
Richard’s role is to help clients clearly understand their options, including the benefits, risks, and alternatives. His approach is practical, human and built around what matters most to each household. He brings that same patience into meetings, giving clients room to ask simple questions, involve family and move at a pace that feels right for them. Richard is always happy to talk to clients about equity release and what the best option is for them.
What Connect Lifetime Mortgages Advises On
Connect Lifetime Mortgages can help clients review different later-life mortgage routes.
These may include:
- Lifetime mortgages
- Equity release advice
- Retirement interest-only mortgages
- Later-life remortgage options
- Residential mortgage advice
- Borrowing in retirement
- Mortgage repayment planning
- Wider protection and property finance considerations
Not every option suits every client.
A lifetime mortgage may help some homeowners access money from their property. However, it is a long-term commitment. The loan and interest are usually repaid when the last borrower dies or moves into long-term care.
It may reduce the value of your estate. It may also affect inheritance and means-tested benefits.
You can compare wider later-life mortgage options before deciding what route to explore.
Our Advice Philosophy
Good advice should reduce confusion, not add to it.
A later-life mortgage discussion should explain what the client wants to achieve, what the property is worth, what existing borrowing remains, and what alternatives may be available.
It should also ask whether family members need to be involved, where appropriate.
Equity release may be suitable for some homeowners aged 55 or over. However, it should not be treated as the only route. Downsizing, using savings, support from family, a standard remortgage or a retirement interest-only mortgage may also need to be reviewed.
The right outcome depends on the client’s age, income, property, health, future plans and personal priorities.
For homeowners who still need standard borrowing, our residential mortgage advice page explains wider mortgage options.
Our Values
