Your Home, Your Future

Are you over 55 and considering how to make the most of your home's value in later life? Equity release could unlock tax-free cash from your property without having to move.

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What is Equity Release?

Equity Release, also referred to as a Later Life Mortgage, allows homeowners aged 55 and over to access some of the value tied up in their property as a tax-free lump sum or regular income, while continuing to live in their home.

Key Benefits of Equity Release
  • Stay in Your Home:

    Continue living in your property for life with a lifetime mortgage
  • Tax-Free Cash:

    Access money without paying income tax or capital gains tax
  • No Monthly Repayments:

    With most plans, you don't need to make monthly payments
  • Flexible Options:

    Choose lump sum, regular income, or drawdown facility
Is Equity Release Right for You?

Equity release can be suitable if you're aged 55 or over, own your home, and want to access cash without moving. However, it's important to understand the implications and consider alternatives.

Important: Equity release may affect your entitlement to means-tested benefits and will reduce the value of your estate. We recommend discussing with family and seeking independent legal advice.

Benefits of Equity Release

Equity release can provide financial freedom and peace of mind, allowing you to enjoy your retirement while staying in the home you love.

Access Tax-Free Cash

Release money from your property without paying income tax or capital gains tax on the amount received.

Stay in Your Home

Continue living in your property for as long as you want, with security of tenure guaranteed.

Improve Quality of Life

Use the money for home improvements, holidays, helping family, or simply enjoying retirement.

Help Your Family

Provide financial support to children or grandchildren for deposits, education, or other needs.

No Negative Equity Risk

With the negative equity guarantee, you'll never owe more than your home is worth.

Flexible Repayment Options

Some plans allow voluntary interest payments or partial repayments to manage the debt.

The Equity Release Process

We work with a qualified partner who will guide you through every step of the equity release process, ensuring you understand all aspects and feel confident in your decision.

1Initial Consultation

Discuss your needs, circumstances, and objectives to understand if equity release is suitable for you.

  • Free, no-obligation meeting
  • Review your financial situation
  • Discuss your goals and needs
  • Explain all available options
2Illustration & Quotation

Research the market and provide you with detailed illustrations showing how much you could release.

  • Market research across all providers
  • Detailed cash flow projections
  • Comparison of different products
  • Clear explanation of costs

3Family Discussion

Encourage you to discuss the proposal with your family and provide information for them too.

  • Family meeting if desired
  • Information pack for relatives
  • Time to consider all options
  • No pressure to proceed

4Legal Process

Once you decide to proceed,arrangements will be made for the legal work and giudance for you through the application.

  • Independent legal advice arranged
  • Property valuation organized
  • Application submitted to lender
  • Regular progress updates

5Completion

After all checks are complete, the funds are released and you can start enjoying the benefits.

  • Final legal completion
  • Funds transferred to your account
  • All documentation provided
  • Ongoing support available

6Ongoing Support

Continued support throughout the life of your plan, including annual reviews.

  • Annual review meetings
  • Help with any queries
  • Assistance with additional borrowing
  • Support for your family

What We'll Help You Understand

During your free consultation, we'll walk you through all the important aspects of equity release:

  • How much equity you could potentially release from your home
  • The different types of lifetime mortgages available to you
  • How interest works and your repayment options
  • The impact on your inheritance and family's future
  • How it might affect any means-tested benefits you receive
  • The safeguards and protections that come with modern equity release

Frequently asked questions

Get answers to common questions about buying your first home and securing a mortgage.
What is equity release and how does it work?
Equity release allows you to unlock tax-free cash from your property without having to move. It’s designed for homeowners over 55 who want to access the wealth tied up in their home to supplement their pension and enjoy a more comfortable retirement. You can continue living in your home while accessing some of its value.
Will equity release affect my benefits or pension?
The money you release is tax-free and won’t affect your state pension or most means-tested benefits. This makes it an attractive option for those who want to maintain their existing financial support while accessing additional funds.
What can I use the money for?
You can use the funds for a variety of purposes, such as helping children or grandchildren with university fees or house deposits, funding a dream holiday, making home improvements, paying off your mortgage or other debts, or simply enjoying greater financial freedom in retirement.
What are the costs involved with your service?
Our fees for providing advice on and arranging a lifetime mortgage are capped at £1,795 and are only payable upon successful completion. We will never ask for any upfront or advance payment for our advice. You’ll also receive a free, no-obligation consultation.
Are there any risks I should be aware of?
Yes. A lifetime mortgage is a long-term commitment that accumulates interest and is secured against your home. Equity release may reduce the value of your estate, and your home could be at risk if you do not keep up repayments on a mortgage or other loan secured against it. That’s why professional advice is essential to determine whether it’s right for your circumstances.

Ready to Take the Next Step?

Our specialists are ready and available to give you the advise you need. Book your free, no-obligation consultation today.