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Equity Release

Your home may be repossessed if you do not keep up repayments on your mortgage.

Most Buy-to-Let mortgages are not regulated by the Financial Conduct Authority

Using equity release to free up funds from your home can be a hugely life-enhancing step.

For the over 55's

Equity Release products are designed for people over 55 to take cash value from their homes without having to move.

Equity release schemes enable you to stay in your own home and benefit from the cash released from the equity of your property.

Help & Advice

There is a wide range of Equity Release products which can provide a valuable source of income for some people.

There are different types of Equity Release schemes, 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.

Expert Guidance

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.

We understand that the process can feel a bit overwhelming, but as experts in this area, we’ll discuss with you exactly what you want to achieve by releasing equity from your property and find the best deal available for you.

By your side

We’ll guide you every step of the way and ensure you are personally looked after as we work through the equity release process.

Equity Release will reduce the value of your estate and may affect your entitlement to means tested benefits and tax status.

You are strongly advised to register a lasting power of attorney to mitigate the risks associated with managing financial affairs in the event of cognitive decline.

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 Life
time 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.

Most Buy-to-Let mortgages are not regulated by the Financial Conduct Authority

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