Equity Release & Lifetime Mortgages

Converting Property Wealth into Financial Freedom - it's about you!

What is a Lifetime Mortgage?

Lifetime Mortgage is a generic term for a loan with an indefinite period.  It can be for a new house purchase or if the property is already owned, capital raising is referred to as equity release.

What is Equity Release?

MoneyHelper provides an explanation of equity release and the range of products that let those over the age of 55 unlock the equity tied up in their home.

Many choose to release capital so that they can free themselves from debt, help loved ones with a house deposit or provide funds for their grandchildren’s education. Others make improvements to their home to make retirement more enjoyable or take a trip of a lifetime.

Whatever your reason is or if you just want to explore the possibilities our team will help you navigate the equity release options.

We Offer

A free initial Lifetime Mortgage consultation

Independent impartial advice – our advisers are qualified, experienced and impartial. They’ll get to know you, your individual circumstances and aims.

Before your consultation consider whether you may want to move or downsize or if you want to ring-fence some capital for your family to inherit. This will help your adviser make sure any recommended plans will meet your needs in the future.

Some reasons our clients have chosen equity release:

Myth Buster

Since the bad press coverage of the 1980s things have changed for the equity release market but the mud still sticks and discourages many from considering this option. Since 2004 the equity release market has been fully regulated and consumers protected. The industry’s own regulator, the Equity Release Council, lead by setting high standards of conduct and practise and have consumer safeguards at heart.

Although not suitable for everyone, aged 55 and over, if you are considering this as a solution for your own circumstances we thought it may be useful to lay to rest some of the common myths that continue to surround the equity release market.

Please bear in mind that no reputable provider will arrange a lifetime mortgage for you without advice from a suitably qualified financial adviser. This ensures that you understand all the features, risks and choose a plan that is right for you.

 

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

 

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