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Helping you get suitable advice

Some benefits of releasing equity from your home…

  • Receive a lump sum of tax-free money
  • Continue to live in and own your home
  • Have access to a ‘Reserve’ fund, for future drawdowns
  • Flexibility when it comes to interest payments. Let it build, pay what you can or overpay – it’s up to you!

Whether you are looking to release equity in your home to pay off a mortgage or raise additional funds, discuss your estate planning concerns with a professional or re-mortgage your property, get in touch with us today and we will help introduce you to a suitably experienced and qualified advisor.

An expert Equity Release qualified Mortgage Advisor will contact you for an initial chat. If suitable, they will visit you in person and review your situation in detail so that they can provide you with up-to-date advice and guidance about the most appropriate solution for your situation.

Let us get on with the challenging work of finding you a broker who will be able to meet your needs in a conscientious and supportive way. Our professional team will keep you updated at every point in the journey.

Some risks to consider when releasing equity from your home

  • If the interest is not repaid, it can grow over time and potentially erode any equity in your estate
  • You are unlikely to be able to raise any additional funds (rather a second charge) once you have equity release on your property
  • Adult occupants over the age of 17 will be required to sign an ‘Occupancy Waiver,’ waiving their residency rights.
  • If you wish to redeem the loan early, Early Repayment Charges may apply

 

This list is non-exhaustive; an expert advisor will guide you through the relevant risks in any application process.

The Equity Release advice process

An expert advisor will be flexible in their approach to meeting with you.  You can decide whether you want to meet face-to-face, online, or simply over the telephone. 

Typically, expert advisors will only charge a fee upon successful completion of a Lifetime Mortgage – but they will confirm this with you directly.

Our advisors are qualified experts in their field, well placed to serve your needs.   Once we’ve had a chance to review your enquiry, we’ll ensure a qualified expert is in touch to provide you with the help you need.

Some advisors will work evenings or at the weekend. They understand that you might want speak or meet with them with family members present.

They all work in accordance with General Data Protection Regulations so you can be assured that your data is safe.

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Timescales for getting Equity Release

Once you’ve had an initial chat with an advisor, you will probably want to meet face to face to go through a fact find activity and ask lots of questions. If you’d prefer not to meet, many advisors will be willing to work over the phone or via video chat.

Timescales can vary depending on how soon you want to meet, the complexity of your case, as well as the lender chosen. The timescales below are a reasonable example but your advisor will be able to provide you with a bespoke guide.

  • Day 1: 1st meeting/call – Detailed Fact find activity and Q&A
  • Week 1 or 2: 2nd meeting/call – Presenting a Recommendation
  • Week 2 or 3: Application 
  • Week 3 to 4: Lender valuation & solicitor instruction
  • Week 3 to 6: Receipt of Mortgage Offer
  • Week 4 to 10: Legal Conveyancing
  • Week 6 to 12*:  Completion (transfer of funds)
 

*Complex cases can see timescales that are significantly longer. Your advisor will help you understand what happens next and support you through the process.

What our clients say

1ST Class service. You were recommended by my mortgage adviser and you’ve been great. Your adviser helped me get equity release finance in place so that I could purchase my retirement property. Re-assuring the estate agent and my vendor that I was in a position to buy immediately meant I was able to secure the property and get it taken off the market. Your adviser helped me get a lower rate when they came down, and they were always available to answer calls and emails. Thanks a million.
(December 2023)
MartinSouth West London
I wish I’d met your adviser a year earlier, they made the process so simple. I have already thanked them for all their hard work. It’s been a real pleasure doing business with them and I’m sad we won’t be in regular contact when this is all over.
(December 2023)
AndreaYorkshire
I’m really pleased with the advice provided to my mum. We were both a little apprehensive whilst investigating. We approached five different advisers. But your advisor took us through everything really easily during our meetings and was willing to meet at the weekend. My mum was very pleased with how it all went and now has the finances she needs to make home improvements and live life in more comfort. We will recommend to friends.
(Oct 2023)
Paul West London
Your advisor has been brilliant. He’s helped me release money to make the changes I need to my home, and to help family. Finances used to be dealt with by my husband and the activity was a little daunting at first. But my questions were always answered and I was supported throughout. My son was included in the activity and his views taken into account too. The adviser was excellent. I can’t recommend your service highly enough.
(Aug 2023)
ChristaNorth London
The advisor has a vast amount of knowledge and was able to discuss all of the various products to allow me to make an informed decision. He was very professional, warm, friendly and helpful. He was very easy to deal with and kept me informed throughout the process. Both my daughter and myself enjoyed working with Anthony. I highly recommend.
(June 2023)
Mrs Perry Surrey
We were given your details via a third party and assured that we would be in good hands. We were indeed! From the initial meeting to the completion, the advisor was very professional but with a light-hearted upbeat attitude that gave us confidence in his knowledge. He was always contactable which was very good and he even arranged a Zoom meeting with the family members to explain everything to them in detail. The unknown precarious territory of E.R. was made clearer and accessible with this guidance… It is also very good that he has said we can contact him about any queries in the future and not just dump us now that the ER has been sorted. That shows a commitment to your profession and a genuine feeling you want to help clients…
(May 2023)
Sarah & RodneyKent
I was a Financial Adviser for 45 years and retired last year. In all that time I have rarely come across a more diligent, trustworthy and caring individual. Your advisor delivered after I had been let down by another adviser. He is a thorough professional – I cannot recommend him highly enough.
(Jan 2023)
Bob W Surrey
Your adviser has to be the most conscientious and diligent financial advisor I've ever come across. He was amazing in helping my mother and ensuring compliance and standards were met at every stage. He also got her the best deal possible. Very knowledgeable and experienced in his field. Would highly recommend.
(October 2022)
Marie L Surrey
My wife and I were extremely impressed with the service we received. We were able to raise enough money to refinance our interest only mortgage – despite our unusual property type. It was a pleasure working with the adviser and we have already recommended to friends.
(April 2022)
Julian Somerset
Brilliant service! I received a down-valuation via another company and was not able to borrow enough money to pay off my mortgage. Through your adviser’s knowledge, I was able to get the valuation I needed to raise enough funds to re-finance my home. The advisor was knowledgeable and in control of the process throughout. 5 stars.
(April 2022)
TonyCornwall
Your adviser was recommended by my IFA and I’ve been really impressed. They were very knowledgeable and helped me through the process with ease. I appreciated them meeting me twice to ensure my understanding. I’m really happy with the outcome and am confident that I have done the right thing which makes me feel great. Will be recommending to friends.
(November 2021)
DeborahCentral London
We were delighted with the service we received and the outcome. We were able to refinance our family home and at a rate lower than expected. Your advisor met us a number of times to ensure our understanding and their guidance was excellent. They really understand their industry and able to ensure that our application proceeded in time to achieve our goals, despite challenges like family LPA’s and valuation issues. We can’t recommend highly enough!
(October 2021)
Mr & Mrs Laskar Hertfordshire
Great service. Really pleased with the service I received. It’s taken a lot of stress off my shoulders (and my sons) and I know I’ve done the right thing. Your adviser has really given me peace of mind. Thank you.
(August 2021)
KathyBuckinghamshire
Your adviser made me feel comfortable from the start, explained everything in clear English and constantly re-assured me. He even helped me understand my benefit entitlement. I’m really pleased with the advice and highly recommend.
(September 2021)
AnnHertfordshire
I can’t thank your adviser enough. I was racing against repossession, and he was able to take action very quickly to get me an equity release loan. It paid off my interest only mortgage which means I can keep living in my home. I am making regular payments to keep the interest down and am elated with the outcome.
(July 2022)
NinaNorth London
We were really relieved when your adviser helped us get equity release on our property. It’s really helped us consolidate debts and make home improvements at a difficult time in our lives. Your adviser was knowledgeable and patient with us and was always willing to have a chat and answer our questions. Thank you.
(December 2020)
JaniceEssex
The adviser was fantastic. He helped us release enough money to gift to one of our children so that they could extend their family home. He helped us understand our position with regards to inheritance tax and was a pleasure to work with.
(November 2020)
Mr & Mrs Murphy North London
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Equity Release

Your home may be the key to unlocking tax-free cash that could be used for various activities and needs. Discuss your equity release potential with a professional to find out more. 

Estate planning and Inheritance Tax

Protect your loved ones’ futures by planning today. We can refer you to qualified advisers who can support you in protecting your estate. 

Applying for a mortgage

Do you need support to purchase or re-mortgage a property or find a mortgage solution that is suitable for you and your situation? Speak to a member of our team today. 

Current Lenders

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A Lifetime mortgage would not be suitable if:

  • You do not own our own home
  • One of the owners is below the age of 55
  • Your home is not considered suitable collateral to the lender. For example, it may be located near an electricity pylon, in a high flood risk area or of a non-standard construction type.
  • You are not prepared to have a debt secured against your home.

Some people may not be able to borrow a sufficient sum to meet their needs. It will depend on their age, the value of their home and the sum required.

If the interest on a lifetime mortgage is not serviced, it can build-up (compound) over time and significantly erode the equity in your estate.  Make sure you understand the nature of compound interest when you speak with an equity release advisor and if unsure, ask them to explain it to you.

Equity release isn’t right for everyone.

There may be a range of more suitable options for you.
An expert advisor will help you understand what other options are out there that may be better for you.

Get In Touch

Equity Release may impact the size of your estate and it could affect your entitlement to current and future means tested benefits.

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Equity release may involve a lifetime mortgage or a home reversion plan. To understand the features and risks, ask for a personalised illustration. 
Equity release may impact the size of your estate and it could affect your entitlement to current and future means-tested benefits.