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Advantages & Advice
Ask how much you can borrowThere are advantages in taking Equity Release, but, as with all financial matters, it is important to understand your options, the implications of any change, and your ongoing responsibilities. That is why it’s a Financial Conduct Authority (FCA) requirement to seek expert equity release advice on what Equity Release is and the most suitable type of plan for your specific needs.
The basics
Equity Release plans could help people at or near retirement age to unlock tax-free cash that is tied up in their property. Equity Release is available to those aged over 55 (both partners must be over 55 if you are a couple), who owns a property worth at least £70,000 and lives in the UK.
What you get
Depending on the plan, you can choose to receive a lump sum or opt to take an initial lump sum followed by further withdrawals. Typically there are no monthly repayments to make, as the loan plus roll up interest is repaid when the plan comes to an end. And you can stay in your own home for the rest of your life or for as long as you choose.
Peace of mind
You can have confidence that the equity release market is regulated by The Financial Conduct Authority (FCA). We adhere to their strict rules and guidelines. In addition, we only recommend schemes from providers who are members of The Equity Release Council (formerly SHIP – Safe Home Income Plan).
What my customers say about working with me
““Hi Kevin, I am now settled in my new bungalow and can't thank you enough for the great deal you negotiated on my behalf. I honestly believe my purchase of this lovely bungalow would not have happened without you. Again my grateful thanks. ”
Carole Willison, Bournemouth
What my customers say about working with me
““Hi Kevin, I am now settled in my new bungalow and can't thank you enough for the great deal you negotiated on my behalf. I honestly believe my purchase of this lovely bungalow would not have happened without you. Again my grateful thanks. ”
Carole Willison, Bournemouth
Why not get in touch and see how we can help?
Equity release could be the answer to some of your financial questions. If you would like to know more about it, and see if it could be the right option for you, please book an appointment or request a call-back
Providers include
Equity release will reduce the value of your estate and may also affect your entitlement to means-tested benefits. You should always think carefully before securing a loan against your home.
Unless you decide to go ahead with a plan, our service is completely free of charge, as our fixed advice fee of £1,295 is only payable on completion of a plan.
A lifetime mortgage is the most popular form of equity release, and is a loan secured against your home that’s typically repaid when you pass away or go into long-term care.
