Equity Release

Mortgages

Mortgage advice that’s as unique as you are

Equity Release products are designed for people over 55 to take cash value from their homes without having to move. There is a wide range of Equity Release products which can provide a valuable source of income for some people.

These schemes allow the borrower to stay in their home and benefit from the cash released from the equity of their property until certain events occur for example moving into long-term care or death. At this point the lender will be repaid, usually through the sale of the property.

There are different types of Equity Release Scheme, some of which mean ownership or part-ownership of the property passes to the Equity Release provider and others where a cash sum is drawn from a promise to repay the lender on the sale of the property. It is important if you are considering an Equity Release scheme to understand the differences between these scheme types and this is something we can help you with.

Equity release can be very useful in some circumstances but it is essential to seek advice on whether it is suitable for you. We will help you understand if it is the right option for you, so please get in touch if you are considering an Equity Release scheme. We are experts in this market and will make sure you receive the right advice.

 

A LIFETIME MORTGAGE WILL REDUCE THE VALUE OF YOUR ESTATE AND MAY AFFECT YOUR ENTITLEMENT TO MEANS-TESTED BENEFITS AND TAX STATUS.
THE IMPACT OF NOT SERVICING MONTHLY INTEREST PAYMENTS ON A LIFETIME MORTGAGE IS THAT THE OUTSTANDING DEBT CAN GROW RAPIDLY, THUS REDUCING THE VALUE OF YOUR ESTATE. FOR EXAMPLE, IF THE INTEREST RATE WAS 7% A YEAR, A £50,000 LOAN WOULD DOUBLE TO £100,000 AFTER 10 YEARS ASSUMING NO REPAYMENTS ARE MADE. THIS IS AN EXAMPLE FOR ILLUSTRATIVE PURPOSES ONLY AND PERSONALISED ADVICE AND RECOMMENDATIONS SHOULD BE SOUGHT FROM A QUALIFIED PROFESSIONAL.
YOU ARE STRONGLY ADVISED TO REGISTER A LASTING POWER OF ATTORNEY. THIS WILL ALLOW YOUR AFFAIRS TO BE MANAGED BY SOMEBODY ELSE IF YOUR MENTAL ABILITIES SIGNIFICANTLY DECLINE.

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Our initial meeting is completely free and there is no obligation to proceed with us if you are not entirely satisfied with the mortgages we recommend.

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As a responsible Mortgage Broker, we want your mortgage to always be the best fit for you. So when it’s time to review it, we will be here to help.

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Working with us

We’re with you every step of the way

With over 10 years of financial services experience, from mortgages to protection, our varied industry knowledge will cater for any financial circumstance you find yourself in.

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Happy customers

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Industry knowledge

Our experienced team have completed hundreds of applications to-date and it continues to grow day on day.

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Financial expertise

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A sample of the providers we use

Nationwide
NatWest
LBS
Electrical Services

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Our mortgage process

The introduction

We start by getting to know you and your requirements. Here we assess your incomings, ongoings and setting a budget.

Product match

We work and source the mortgage from a comprehensive panel of lenders which is representative of the whole of the market to find the lender and product for you.

Lender agreement

Next up and finally, we provide you with an agreement in principle from the lender.

Completion time

Finally, we complete the relevant paperwork and guide you through the remainder of the process until completion.

Mortgages

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