Business Details
22 Years
experience
Trusted Mortgage & Protection Advice Since 2004
Established in 2004 by Paul Lear, our business provides professional mortgage and protection advice rooted in expertise and experience. We specialise in helping clients navigate property purchases, which are often the most significant financial decisions of their lives, by offering tailored solutions to save time and effort. Our approach extends beyond basic advisory services, aiming to empower clients with the knowledge to manage their finances effectively and retain their hard-earned money. We offer access to a comprehensive range of mortgage products and protection plans, ensuring clients find the right fit for their unique needs.Our fee structure is transparent, with a gross application fee of 395 reduced to 145 if lenders contribute 495 upon completion. While some mortgage products fall outside the scope of Financial Conduct Authority regulation, our commitment to client education and financial security remains unwavering. Registered in England & Wales with company number 4922039, we operate from Beaconsfield, serving clients across the UK with a focus on ethical practices and long-term financial stability.
Services
Mortgage Advice
Life Insurance
General Insurance
Key Person Insurance
Partnership Protection
Shareholder Protection
Details
- Year established: 2004
Highlights and features
- We have over 20 years of combined experience in mortgage advisory services
- Our transparent fee structure reduces costs for clients through lender contributions
- We provide comprehensive financial education alongside mortgage solutions
- Our team offers bespoke protection plans for both personal and business needs
- We maintain regulatory compliance while delivering client-focused solutions
Services
Mortgage Advice
Our mortgage advisory service provides tailored guidance for residential property purchases. We assess clients' financial situations to recommend suitable mortgage products from our comprehensive range. With expertise in navigating complex mortgage markets, we help clients secure competitive rates while explaining all associated risks and obligations.
Key Person Insurance
This critical business protection solution safeguards companies against financial losses from key personnel loss. We help businesses calculate appropriate coverage levels and implement policies that ensure continuity during transitional periods. Our approach considers both immediate financial impacts and long-term business stability requirements.
Partnership Protection
Our partnership protection plans provide financial security for business partnerships. We design solutions that enable smooth transitions when partners leave due to death or incapacity. The service includes calculating appropriate coverage amounts and arranging funding mechanisms to maintain business operations during ownership changes.
Shareholder Protection
This service ensures business continuity following shareholder departures. We implement protection plans that maintain financial stability during ownership transfers. Our approach addresses both legal requirements and practical considerations for maintaining business operations during transitional periods.
General Insurance
Our general insurance services cover diverse client needs beyond property and business protection. We assess individual and corporate risk profiles to recommend appropriate coverage solutions. This service includes ongoing policy reviews to ensure continued alignment with clients' evolving insurance requirements.
People
Paul Lear
Advising Director
Founder of Lifestyle Mortgage Management with over 20 years' experience in mortgage advisory services. Specialises in residential mortgages and business protection solutions. Committed to client education and ethical financial practices.
Questions
What mortgage types do you offer?
We provide advice on residential mortgages, buy-to-let mortgages, and commercial mortgages tailored to individual circumstances.
How are your fees structured?
Our standard application fee is £395, reduced to £145 when lenders contribute £495 upon completion.
Do you offer business protection services?
Yes, we provide key person insurance, partnership protection, and shareholder protection plans for businesses.
Are all services FCA regulated?
Some mortgage products fall outside Financial Conduct Authority regulation. We'll clarify regulatory status for each product.
