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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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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Our Mortgage Process

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Our mortgage process

Discovery Call

Discovery Call

This is an opportunity for us to discuss your enquiry in depth, talk about your current situation, circumstances, requirements and objectives. We can then advise the best way to proceed and the solutions we can provide to you.
Information & Documentation Gathering

Information & Documentation Gathering

We collect your information, documentation and access your credit report to identify your affordability and product suitability based on our independent research.
Recommendation Meeting

Recommendation Meeting

We have obtained the Lender Agreement in Principle and now we can discuss your product options, repayments, and recommended insurances. It also allows us to go through any questions you may have before proceeding.
Implementation

Implementation

We will package and prepare your application ready for submission to the provider(s) and work with the providers to obtain acceptance terms.
Completion

Completion

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