more2life  Omdömen 

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.

Asif E was so helpful, professional and reassuring and sorted out my issue at once with a very pleasant manner. Thank you Asif.

I have used the services of More2life on two occasions and found them to be a professional, helpful and understanding company. I would have no hesitation in using them again. I would like to mention Tracy Curzon who helped me through the procedure and kept in contact with me, and Stephanie who helped me with a banking query. Well done both and More2life. Robert Jenkins.

Got an e-mail to tell me when to expect completion which was spot on thank you Tracy Curzon no problems at all would recommend any time also forgot to mention the adviser I spoke to when I first phoned up he was very helpful and polite and explained every thing

Dealt with more2life about eight years ago when I applied to release some equity from my home. The whole process went through very smoothly and quickly from initial house valuation to offer. Decided to draw down half the sum offered, and now eight years later have applied to draw down the balance. Dealt with Diane Perrin at more2life and it ran as smoothly as the first time. Couldn’t be more pleased with the efficiency my case was handled. For anyone who thinks equity release is a daunting prospect, I suggest they deal with more2life, the whole process from start to finish was very comfortable and quite frankly easy.
A very happy customer.
Malcolm Hills

This is the second occasion l have dealt with M2L and have been very happy with the service on both times. I recently requested a drawdown on my account which was dealt with by Tracy Curzon in a very efficient and quick manner.
Thank you all at M2L!

I had a cse declined by Standard Life at the last minute despite sending a lot of informatpr application. Tony Ward contacted me from M2Life(sister company to Standard Life. suggesting that we look at them as it might fit their criteria. Not yet offered but the help and guidence Tony gave me in sumitting the application was of great help

Excellent. Every one was very good, and easy to to complete all the forms.

Jamie Leach was extremely friendly and helpful and processed our application in a fast, efficient manner.