more2life  Reviews 

Ruth Gabbott has been fantastic to deal with and is a credit to her profession and her employer. She has been courteous, reliable, totally customer-focused and professional at all times. Although mine was a very minor query she was clearly motivated to bring it to a satisfactory conclusion for me and did so in a timely and determined manner, keeping me informed throughout the resolution process. To be treated this way is not only a rarity these days but an absolute pleasure!

I have recently used this Company to drawdown additional funds on my life time mortgage. All was done on line or by email, plus the odd telephone call. Dianne Perrin looked me well and oversaw all the necessary documentation and paperwork. All done within 2 weeks of me applying on line. Excellent and extremely efficient company.

very professional, very helpful. Louisa Worden is a fine ambassador for your company and brand. cannot recommend her highly enough.

I got involved with more2life through a company called Key Equity release 7/8 months ago and to be honest it’s been an absolute nightmare.
I originally applied as after working for 40 + years I found myself disable after been diagnosed with cancer had a heart attack and a triple bypass pass all within 2 years and speaking to key having equity through more2life was the way forward for myself and my wife.
Got accepted and won’t go through everything but been a lot of issues mainly due to having solas panels but got sorted and all registered with the land registry with the wording in more2life agreed to.
A few weeks ago I had another survey as the original agreement expired 1 day before.
All was good and promising but had an email today stating that more2life criteria had changed and now not eligible.
It’s been the most stressful thing I have ever had to go through and lost for words especially not far off Christmas.

I took a drawdown of the remaining balance from my equity release. The whole process was simple and seamless from beginning to end. I completed a simple application form online and this was followed up by a confirmatory phone call from a helpful and polite young man called Jake. Using online signing with Docusign avoided any postal delays. During the whole process, which took about 2 weeks, the company kept me updated with emails confirming the accomplishment of each step and finally a reassuring email from Diane Perrin of the Completion Team confirmed that the process had been completed, telling me when to expect my funds, which arrived on time as she stated. Definitely recommend.

Great service from More2Life. Would highly recommend them. All staff very helpful whether direct on phone or email.

Very helpful polite, and good CLEAR instructions.
I have no complaints of any of there services,
The person who I dealt with today was Asif, he was so nice.

My contact Diane Perrin, made everything so easy and quick for me. Easy to follow and super efficient. Definately recommend.

Efficient with updates and processing. Thank you Louisa Worden.

Lewis Bentley of More2 Life was very efficient and helpful in handling our request. He instilled confidence in the way he dealt with our matter. I would have no hesitation in recommending him to other potential customers.

Very efficient, polite and helpful

The whole process was conducted online apart from verbal confirmations, all of which were secure. This included Docusign of documents which is easy. Our agent Tracy Curzon was first class and made everything perfectly clear as we progressed. Frankly it was quite simple and straightforward. Thank you.

Very helpful once I had got my head around the emails and docusign. Tracy Curzon was very helpful

Always helpful and clear information .

The process was made considerably smoother compared to my last draw down. This was was overseen by Diane Perrin who was extremely efficient.

Good clear communication from all staff who take time to explain and readily respond to any concerns and offer their understanding of your needs.
I have found more2life a good positive experience and wouldn’t hesitate to offer recommendations to others
With grateful support from Diane Perrin my request was achieved very quickly for which I am most grateful

More2life have always been helpful and very efficient!
Tracey Curzon was the very helpful lady guiding me
through the process! Thanks everyone for all your help!

More2Life offer a large range of products which are always competitive in the equity release market place. Their customer / advisor relations are excellent. I have recently had a complex further advance application and Louisa Worden has been fantastic throughout the whole process that has been going on for several months. She is always super quick with her response and very helpful. Thank you Louisa.

Do not use a company that profit from elderly & vulnerable people. Charging interest upon interest every year means your debt increases MASSIVELY & is a disgraceful way to exploit people. Marketing it as a retirement plan makes it even worse! A family member saw their original debt increase by over £80,000 in 10 years

I took out equity release with more2life in early 2020. I then applied for an advance in 2022. It took them forever to process my application, creating immense problems for me.

I applied for another extension in September of this year. A valuation was done, and I waited for a response. The valuation was less than I'd expected, but I accepted it and waited for an offer.

Then the broker I have been dealing with told me that more2life had raised a query with the valuer about the roof construction as the valuer had down that the roof is constructed of asbestos tile rather than being cement based. He said that more2life were requesting this was amended as asbestos tile would be outside of lending criteria. He told me that he thought they had looked at the previous two valuations and seen the roof did not contain any asbestos and had gotten over it. I was obviously relieved.

Three weeks later the broker told me that more2life were having to go back to the funder to get approval as due to a change in lending criteria, they would no longer accept the tiles on my roof. I asked him what was wrong with the tiles on my roof because surely it wasn't that they were asbestos as that had been dismissed, but he couldn't tell me because more2life hadn't told him.

A week later, he told me that more2life had declined to accept the property on the product I am currently on claiming a change in lending criteria as the reason. He said they were saying the tiles are not acceptable and the flood risk level is not acceptable either. So now not only are the tiles a problem but there's also a flood risk.... that doesn't actually exist. I live 100m uphill from a small stream. If it becomes so large it damages my elevated home, it will truly be armageddon!

Today, I received a copy of the message more2life sent the broker. It said: "as the roof is suspected to contain asbestos, the property falls outside our current criteria, and we are unable to proceed with the application at this time."

So, as the first two valuations did not reveal that my roof has asbestos in it and the third one apparently does, one or two of them were wrong. Obviously, the surveys/valuations more2life asks its customers to pay for are not done with any skill or professionalism if the outcomes are so inconsistent, which implies that more2life are not professional.

more2life have said if I pay for an approved asbestos surveyor to look at my roof and write a report, they will 'consider' my application again. No guarantee they won't cook up another excuse not to approve my application. I think they should send someone competent to do another valuation or at least to look at the roof, which does not contain asbestos.

***Update: Having now communicated further with the broker, apparently, the first two valuations also said that the tiles on my roof were suspected to be asbestos, so at least the reports are consistent, though not necessarily right. What has changed is more2life's lending criteria in that they will no longer lend when the roof has asbestos in it. Why on earth did they not look at the previous two reports when I submitted the application and tell me that my roof would no longer be acceptable? Why did they send a surveyor to my home and then spend three months dithering over a decision? An email sent to the broker on 28th October, which I have now seen, was very misleading, meaning he inadvertently mislead me into thinking that the application would be accepted. Terrible communication from more2life that has lead to me wasting three previous months when I could have been attempting to obtain the money I need before I have heart surgery from another source and caused me a great deal of anxiety.***

The interest rate on my lifetime mortgage is just over 3%, which is below the BAE's base rate of 4% now and of 5.25% in 2023, presumably meaning my mortgage has been costing more2life money for most of its life. I think they are not offering me an extension on it because they hope I'll take out a new mortgage with a higher interest rate. They know I'm desperate to borrow some money to get me through surgery in the imminent future. If that's the case, it's a very unethical thing to do.

Oh, and two days ago, I sent a complaint to more2life via the email address they provide for complaints on their website, and I haven't even received an acknowledgement, so I have no idea if they've received it. If they had responded, I probably wouldn't be writing a review here!

I truly wish I'd taken out equity release with a different company in 2020 due to the stress and anxiety dealing with more2life has caused me. I would strongly advise others to avoid them because they are unprofessional and do not treat customers fairly or with respect.