Independent
Specialist
Here for You
Clear, professional legal advice for homeowners considering lifetime mortgages and later life lending
Why Choose Us
At Lifetime Law, we specialise in providing clear, independent legal advice to clients taking out equity release plans.We understand that releasing equity from your home is a big decision. That’s why we’ve built a firm that puts your best interests first — offering a safe, transparent, and supportive legal service designed specifically for consumers entering into equity release arrangements.Our clients come to us through trusted, FCA-regulated financial advisers, and we work closely with them while always representing you independently. We’re not tied to any lender or broker — our only duty is to you.We operate on a separate representation basis, meaning we act solely for you in your transaction, giving you the peace of mind that your legal advice is completely impartial. Our aim is to ensure that you not only understand the legal implications of your equity release plan, but feel fully supported and confident throughout the process.Trusted, Regulated, Professional
Lifetime Law is authorised and regulated by the Solicitors Regulation Authority (SRA), giving our clients the reassurance that we follow the highest standards of legal and professional conduct. Your money is held securely in accordance with strict rules around client accounts, and our services are fully insured.Transparent & Technology-Driven
We use secure technology to keep things simple. Clients and financial advisers can track case progress through the 'Lifetime hub' our online portal, receive real-time updates, and communicate with us efficiently from start to finish.At Lifetime Law, we combine specialist knowledge with a personal approach — offering a genuinely supportive service at a time when clarity and trust really matter.
Our Team
Our team is dedicated to providing expert legal advice throughout your property transaction. We're here to guide you seamlessly through the process, from instruction to completion.
Richard Espley – Director and Compliance Officer for Legal Practice (COLP)
A Specialist Property Lawyer with over 17 years of experience, Richard Espley leads Lifetime Law and oversees all regulatory compliance and legal operations. Having specialised in equity release since 2008, he is passionate about making the process clear, safe, and stress-free for clients. As the firm’s Compliance Officer for Legal Practice (COLP) and Money Laundering Reporting Officer (MLRO), he is also responsible for service delivery, client protection, AML oversight, and introducer relations.
Chris Lackner - Director & Compliance Officer for Finance & Administration (COFA)
Chris Lackner is a highly experienced Solicitor and the firm’s Compliance Officer for Finance & Administration (COFA). He plays a key role in safeguarding the financial integrity of the business through robust oversight, clear reporting, and sound risk management. Known for his precision and diligence, Chris ensures that financial processes support the firm’s wider goals and uphold the highest standards of professionalism. His work provides the foundation for operational confidence and long-term stability.
Chris Williams - Director & Chief Technical Officer (CTO)
Chris is an experienced IT professional and infrastructure specialist who oversees all aspects of Lifetime Law’s technology, systems, and digital security. As CTO, he ensures our platforms including the client and introducer portals are seamless, secure, and easy to use.Beyond the technical, Chris plays a key strategic role in shaping the firm’s operational model. He works closely with the board to align business processes and the client journey with the most advanced, efficient, and client-centric solutions available. His focus is on delivering an experience that’s not only compliant and reliable, but genuinely empowering for clients and introducers alike.
Craig Ralph - Solicitor/ Non Executive Director
Craig Ralph is a senior Solicitor and experienced law firm leader with deep expertise in compliance, strategic planning, and business growth. As a Non-Executive Director, he offers independent oversight and strategic guidance to help shape the firm’s direction. Craig ensures Lifetime Law remains aligned with its core values—delivering excellent client service, driving sustainable growth, and evolving to meet clients’ real-world needs.
Our Process
Releasing equity from your home is a major decision. At Lifetime Law, we make the legal side simple, supportive, and entirely focused on protecting your interests. Here's how it works:Step 1: Financial Advice First
Your FCA-regulated adviser will help you choose the right product. Once you're ready to proceed, you are free to instruct a solicitor of your choice or to opt for a recommended specialist firm such as Lifetime Law.Step 2: Welcome & Onboarding
We’ll contact you promptly, explain what to expect, and send your client care documents for review and signature.Step 3: Legal Review
We review the mortgage offer, title documents, and legal paperwork to ensure everything is in order and in your best interest.Step 4: Home Visit & Legal Advice
We’ll visit you at home, at a time that suits you, to provide clear, independent legal advice. You'll have time to reflect before signing the legal documentation.Step 5: Submission to Lender
We check and submit your signed documents to the lender. If anything's missing, we’ll help you resolve it and liaise with the lender’s solicitors to agree a completion date.Step 6: Completion & Funds Released
Once everything is in place, the lender will release your funds. We’ll send you a completion statement and transfer your remaining balance directly to your account.Independent. Regulated. Client-First
Acting on a separate representation basis, we act only for you — not your adviser or lender. We use secure technology and a dedicated online portal to keep both you and your adviser informed every step of the way.Questions?
We’re here to help - get in touch any time.
Contact Us
Lifetime Law Limited
11a The Matchworks,
Speke Road,
Liverpool
L19 2RFmailto:[email protected]
Tel : 0151 205 1000
www.lifetimelaw.co.uk
Authorised and regulated by the Solicitors Regulation Authority - SRA No. 8013694
VAT No. 505 2281 25
Policies & Procedures
Complaints Procedure
At Lifetime Law, we are committed to providing clear, professional and supportive legal advice, particularly for clients making important later life decisions.If something has not met your expectations, we want to know so we can put it right.How to make a complaintYou can contact us in whichever way is most convenient:• By email
• By telephone
• By post
• By speaking directly with your lawyerIf you would prefer, we can also discuss your concerns in person or involve a family member or trusted representative (with your consent).If you need any help in making your complaint, we will be happy to assist.Who to contactPlease contact our Compliance Officer for Legal Practice (COLP):Richard Espley
Email : [email protected]Lifetime Law Limited
11a The Matchworks
Speke Road
Garston
Liverpool
L19 2RFWhat happens next
We will acknowledge your complaint within 2 working days
We will investigate your concerns fully and fairly
We aim to provide a full written response within 21 daysIf you are not satisfied with our response, you can request a review by a Director of the firm who has not previously been involved.If we need more time, we will let you know and explain why.Legal OmbudsmanIf we are unable to resolve your complaint, you may refer it to the Legal Ombudsman, who independently reviews complaints about legal services.Website: www.legalombudsman.org.uk
Telephone: 0300 555 0333
Email: [email protected]
Post: PO Box 6167, Slough, SL1 0EHYou must usually refer your complaint:Within 6 months of our final response
Within 1 year of the act or omission, or when you became aware of it
Solicitors Regulation Authority (SRA)The Solicitors Regulation Authority regulates solicitors and law firms and deals with concerns about conduct.You can contact the SRA if you are concerned about issues such as dishonesty, misuse of money or unfair treatment.Website: www.sra.org.uk
Email: [email protected]
Telephone: 0370 606 2555
Our commitmentWe will always:Treat your complaint seriously
Handle it fairly and promptly
Keep you informed throughout
Never charge you for making a complaint.
Privacy Policy
Introduction
At Lifetime Law Limited, we are committed to protecting your personal data and handling it responsibly.
This Privacy Policy explains how we collect, use, and protect your information.Who we are
Lifetime Law Limited is a law firm specialising in later life legal advice.
We are authorised and regulated by the Solicitors Regulation Authority and act as a data controller in respect of your personal data.Website Use
When you visit our website, we may collect limited information such as:IP address
Browser type and device information
Pages visited and time spent on our siteThis helps us improve our website and services.If you contact us via our website, we will use the information you provide to respond to your enquiry.What information we collect
We may collect and process:
Name, address and contact details
Identification documents
Financial information
Property and transaction details
Information relevant to your legal matterWhy we collect your data
We use your information to:
Provide legal services
Comply with legal obligations
Communicate with you
Maintainaccurate recordsLawful basis
We process your data under:
Contract
Legal obligation
Legitimate interests
Consent (where required)Who we share data with
We may share your data with:
Your lender and financial adviser
HM Land Registry and relevant authorities
Identity verification and AML providers
Payment providers
IT systems providers
Other professional advisers involved in your transactionWe only share data where necessary and appropriate.How we protect your data
We use:
Secure IT systems
Restricted, role-base access
Trusted and approved providersData Retention
We retain your data only as long as necessary.Typically:
Legal files: at least 6 years.
AML records: 5 yearsWe may retain data longer where required for legal or regulatory reasons.Your rightsYou have the right to:
Access your data
Correct inaccurate data
Request deletion (where appropriate)
Restrict data portabilityTo exercise your rights, please contact us.Complaints
If you have concerns about how we use your data, please contact us first.
You can also complain to the Information Commissioner's Office at www.ico.org.ukContact us
Richard Espley
Compliance Officer for Legal Practice
[email protected]Lifetime Law Limited
11a The Matchworks
Speke Road
Liverpool
L19 2RF
Our Fees
At Lifetime Law, we are committed to clear, transparent pricing so you understand exactly what you will pay before proceeding.We specialise in providing independent legal advice on equity release and later life lending, and our fees reflect the expertise and personal service involved.Equity Release Legal FeesOur standard legal fee for advising on a lifetime mortgage or home reversion plan is:from £795.00 + VAT @20% = £159.00 = £954.00.Your exact fee will be confirmed at the outset of your matter and before any work begins.What Our Fee IncludesOur fee covers the full legal service, including:Reviewing your equity release offer and legal documentation
Liaising with your financial adviser and the lender
Carrying out all necessary legal checks
Providing clear advice on the terms and implications of the plan
Conducting a face-to-face meeting with you
Explaining the impact on your property, estate, and future options
Preparing and completing all legal documentation
Arranging completion of your transactionWe ensure that you fully understand the legal implications before you proceed.Potential Additional ChargesIn some cases, additional work may be required depending on your individual circumstances. If this applies, we will always discuss and agree any additional costs with you before proceeding.Examples of situations where additional charges may apply include:Where the property title is unregistered or requires reconstruction from £199.00 + VAT
Where the property is leasehold and additional review is required £149.00 + VAT
Where there are multiple owners, occupiers, or complex ownership arrangements £395.00 + VAT
Where a Lasting Power of Attorney or Attorney is involved £149.00 + VAT
Where there are restrictions, defects, or issues affecting the title £149.00 + VAT
Administration of additional Occupiers (Deed of Consent) £79.00 +VAT
Where there are trust arrangements or third-party interests affecting the property £199.00 + VAT
Bank transfer fees £50.00 + VATAny such costs will be clearly explained and agreed with you in advance. VAT rate of 20% current as at 1st April 2026.DisbursementsIn addition to our legal fees, there may be third-party costs (“disbursements”), such as:HM Land Registry fees
Office copy entries and title documents
Electronic ID verification checksThese are typically modest and will be outlined to you at the outset.Secure Payments and Client ProtectionWe use a FCA regulated secure third-party managed account system to protect client funds and ensure payments are made safely.Your lawyer will confirm your bank details with you during your meeting and may use a secure onboarding tool to verify your account before any funds are transferred.Transparency and Fair ValueWe are committed to providing fair and transparent pricing at all times.We do not charge hidden fees, and you will always be informed of any costs before work is carried out. Circumstances change and Importantly we do not charge abortive fees should you decide you no longer wish to proceed.Get in TouchIf you would like a personalised quote or have any questions about our fees, please contact our team:📞 0151 205 1000📧 [email protected]