We are located at:

Protea Financial Services

8 Deneside

East Dean

BN20 0HU

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If you have any queries or wish to make an appointment, please contact us:


+44 333 3556295 (local call rate)+44 333 3556295 (local call rate)



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Lifetime Mortgages

Lifetime mortgages are currently the fastest growing sector in financial services.

This very specialist area of advice is available to homeowners aged 55 and over. The FCA now regulates all Lifetime Mortgages and the advice relating to these. We have an expert Lifetime Mortgage adviser who we can refer to who can help you with fully regulated, bespoke advice.


Typical reasons why people consider using a Lifetime Mortgage include:

  • Paying off an Interest-Only Mortgage
  • Gifting money to mitigate IHT
  • Income in later life (even if you have a pension in place)
  • Gifting money for love (and seeing our beneficiaries enjoy the gift DURING your lifetime)
  • Home improvements
  • Holiday of a lifetime
  • Divorce settlements
  • Paying for care
  • Paying legal fees
  • Purchasing another property
  • Buying a new home to live in whilst in later life

You do not need to prove your income in order to qualify for these mortgages. Your age and your home (or new home) are what the lenders consider when determining what you may borrow. Please contact us for a chat if you would like more information. This service is provided for free by Protea Financial Services, but the adviser this is referred to may charge a fee which would be confirmed to you in writing prior to any application being submitted. Equity release may involve a lifetime mortgage or a home reversion plan. To understand the features and risks, ask for a personalised illustration.


Equity release may impact the size of your estate and it could affect your entitlement to current and future means-tested benefits.

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The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Full details of the FOS can be found on its website at www.financial-ombudsman.org.uk Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it. Protea Financial Services is an Appointed Representative of Julian Harris Mortgages Ltd, authorised and regulated by the Financial Conduct Authority No. 304155 © Anthea Pienaar.