Ryan Bembridge

The rebrand means the Equity Release Club has become Air Mortgage Club and The Later Life Academy has become Air Later Life Academy.

Previously this feature was only available after five years.

That is according to research from the Centre for Economics and Business Research commissioned by equity release lender more 2 life.

Tooth was at O2 for nearly 11 years, latterly as social media manager. After that he had a six-month stint at Together as social media manager.

The bank apparently identified suspicious conduct in Impaired Assets team in early 2007, when director Lynden Scourfield has been sanctioning limits and additional lending facilities beyond the scope of his authority.

The lender’s 2-year fixes will start from 3.8% and 5-year fixes from 3.95% up to 85% loan-to-value with no application fee,

Business management consultancy Capital Economics doesn’t expect there to be a rate rise until the Q3 2020, while an ING Group economist made a tentative prediction of Q1 2020.

First Mortgage has over 90 employed mortgage and protection advisers and 14 ‘mortgage shops’. It has a significant presence in Scotland and a smaller reach south of the border.

On Trustpilot the insurer has an average rating of just 2.6/10, described as ‘bad’, while on Google Reviews it’s rated at 2/5.

The products are a 3-year fix at 2.99% to 85% loan-to-value and a 3-year discount at 2.44% to 85% LTV, with a standard valuation fee.