What solution is right for me?
Finding the right solution is what we’re here to help you do. Our advisors will talk you through your options, including things like downsizing or taking in a lodger as well as your lending options.
Should you choose to go ahead with some form of lending, our advisors will help you decide between the different types of mortgages and equity release and will make a recommendation to you. The solution recommended to you will depend upon your individual circumstances, including your age, income, and financial goals.
The first step to understanding your options is to have a conversation with one of our advisors. There's no charge for this and it's only if you proceed with the solution we recommend that you will pay us, regardless of the solution you choose.
Equity Calculator
Use our free calculator to understand your equity release and mortgage options.
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A few things to think about
Equity release may involve a home reversion plan or a lifetime mortgage, which is secured against your property and will reduce the value of your estate and impact funding long-term care. You can read more about the different types of equity release plans here and if you want more detail we can provide you with a personalised illustration to explain exactly what equity release could mean for you and will outline the features and risks.
You must take financial advice before proceeding with equity release or with any type of mortgage and there may be other options which better suit your circumstances.
You will need to pay off any existing mortgage or secured loan that you have. You can use some of the money raised through equity release to do this.
Another consideration is that equity release interest is compounded, so you pay interest on interest. The money you release, plus the accrued interest is then repaid when you die or move into long-term care.
Equity release may have an impact on your entitlement to means-tested benefits now and in the future.
Whether you proceed with equity release or another type of mortgage, initial advice is free and without obligation. Only if your case completes would our advice fee of £1,995 be payable. Other lender and solicitor fees may apply.
Other mortgages
Think carefully before securing debts against your property. your property may be repossessed if you do not keep up repayments on your mortgage and any debt secured on it.
Age restrictions may apply, depending upon the lender chosen
“We had a comprehensive review with realistic assessments and action plan supported by unrushed and uncomplicated discussions and suggestions. All very straight forward and customer focussed. ”
Ms Teale
The right products make the right plans...
Of course, our equity release service can only be as good as the equity release plans that we offer. Which is why we put such effort into working with lenders, which helps us to be sure that our customers will receive a solution that meets their needs.
There are plans that allow you to:
- Access a lump-sum of money, perhaps for a one-off purchase.
- Release smaller amounts over time, this can be more cost-effective.
- Protect some inheritance for your loved ones, using an Inheritance Protection Guarantee
Popular questions
You're talking to the people who know.
We have been providing advice to our customers for over 20 years and will talk you through all your options and explain the pros and cons of each so that you're fully informed.
Our service is about finding out whether any of the solutions we offer are a good fit for you, and only then will we find the best plan for your individual needs.
Our promise to you...
- You will be assigned a dedicated advisor who will guide you through the process from start to finish.
- We will only recommend a solution if it's suitable for you.
- We will search a range of plans from multiple lenders to find the best solution for you.
- If we recommend equity release, the plans meet the standards of the Equity Release Council.
- You will receive a bespoke recommendation document to read at your leisure.
