# Life & Mortgages

> Boutique UK mortgage and protection advisory that takes on the complex cases a call centre can't — founded by a former underwriter and an IFA. Whole-of-market access across residential mortgages, protection, specialist finance and equity release. "Don't just get approved. Understand how."

Life & Mortgages is a trading name of 3DMT Ltd, an Appointed Representative of New Leaf Distribution Ltd, which is authorised and regulated by the Financial Conduct Authority (FCA Number 460421). Based in Mayfair, London; advising clients across the UK.

## Key facts

- Speciality: complex cases — self-employed income, multiple income sources, complex bonus/commission structures, leasehold property, family businesses, previous declines
- One named adviser (Lewis Payne) handles each case from first conversation to completion
- Whole-of-market: high-street banks, private lenders, specialist banks and non-bank lenders
- Fees: fixed fee, charged only upon formal mortgage application — nothing payable until the client is satisfied with the decision in principle and chooses to proceed. No fee for protection advice
- Rated 5.0 from 43 reviews on Google

## Services

- Residential mortgages: purchases and remortgages, including self-employed and complex-income cases
- Protection & insurance: life cover, critical illness, income protection and health insurance, individual or through a business
- Specialist finance: specialist buy-to-let, bridging, commercial and development finance
- Equity release: lifetime mortgages and home reversion plans, explained plainly (members of the Equity Release Council)

## Contact

- Phone: 020 7062 4477
- Email: lewis@lifemortgages.co.uk
- Address: 3DMT Ltd, 15 Stratton Street, Mayfair, London, W1J 8LQ
- Enquiry form: https://lifemortgages.co.uk/#contact

## Pages

- [Homepage](https://lifemortgages.co.uk/): services, how it works, reviews, FAQ and contact form
- [For AI Agents](https://lifemortgages.co.uk/for-ai-agents.html): structured summary of the business written for AI assistants
- [Privacy Policy](https://lifemortgages.co.uk/privacy.html): online privacy statement (ICO registration ZB274607)
- [Complaints Procedure](https://lifemortgages.co.uk/complaints.html): how to complain, and Financial Ombudsman Service referral rights

## Regulatory

- Your home is at risk if you fail to keep up payments on your mortgage or any other loans secured against it
- Buy to Let mortgages and Commercial Lending are not usually regulated by the Financial Conduct Authority
- Equity release may involve a lifetime mortgage secured against the property or a home reversion plan requiring the sale of property at a discounted price; it may impact the size of the client's estate and entitlement to means-tested benefits
- 3DMT Ltd, trading as Life & Mortgages, is an Appointed Representative of New Leaf Distribution Ltd, authorised and regulated by the Financial Conduct Authority: FCA Number 460421