Unlock the Value in Your Home
Search Equity Release helps UK homeowners aged 55 and over understand and access the wealth in their property. No pressure, no jargon, just honest advice from our team.
We offer lifetime mortgages from 55, plus retirement interest only and interest only mortgages from 50 for those approaching or in retirement, all from a whole of market panel, so we can find whatever suits you best.
- Get a personalised quote from a fully approved retirement advice specialist
- Compare top offers from the UK's most trusted providers
- Free, no-obligation advice with no pushy sales talk
- Understand every step with clear, jargon-free guidance from start to finish
Independently accredited. Fully regulated. FCA No. 952887.
Your Equity Release Toolkit
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Equity Calculators
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Start chatting →20+ UK Lenders. One Adviser. Your Best Outcome.
We compare the whole market, so you don't have to.
Unlock the potential of your property with specialist Later Life Lending guidance from our award winning adviser.
Craig was honoured with the prestigious Best Individual Adviser award at the 2018 Equity Release Awards. Our team has helped homeowners across the UK understand whether a Later Life Lending option is the correct route for them.
Our advice has assisted clients in protecting their future whilst making the correct decisions on their finances. All our initial advice is completely free of charge.
Trust in our resident specialist to guide you towards a secure and fulfilling future.
Our approach is simple: we understand your situation fully, then find the very best option for you. If equity release is not right for you, we will tell you that too.
What is Equity Release & Later Life Lending?
If you prefer to stay in your home, equity release offers a way to access tax-free funds tied up in your property.
The equity in your home is the remaining value after paying off any existing mortgage and other secured debts.
Provided you meet the eligibility criteria set by the provider, the money you release can be used for a wide range of purposes, including:
- Repaying an existing mortgage you can no longer afford or that has reached the end of its term
- Home improvements, such as a new kitchen, bathroom, or adapting the property for later life
- Gifting funds to family, helping them onto the property ladder or reducing your inheritance tax liability
- Clearing unsecured debts, credit cards, or personal loans to reduce monthly outgoings
- Supplementing retirement income where pension funds fall short
- Funding holidays or purchasing a holiday home or caravan
- Later life care, enabling clients to remain in their own home with their own personal care
Equity release can come with potential risks and consequences. Professional advice should always be sought before proceeding.
How Does Equity Release Work?
Equity release is a tool available to anyone over the age of 50. There are different mechanisms of releasing equity based on age and requirements. We have options to provide Retirement Interest Only mortgages, Lifetime Mortgages and we work closely with specialists in the Home reversion sector.
Speak to Bruno
Start by chatting with Bruno to get the information you need and book your appointment. Bruno is available around the clock and will answer your questions before connecting you with our specialist team.
Initial Consultation
Your first consultation with our specialist is completely free of charge. No forms, no pressure, just an honest conversation to understand your situation, goals, and what you are hoping to achieve.
Lender & Product Research
As a whole-of-market adviser, our team searches over 20 lenders to find the most suitable product for your circumstances, comparing rates, features, and flexibility.
Suitability Report
We prepare a written suitability report setting out our recommendation, the product features, costs, risks, and how the chosen plan fits your circumstances. You can take all the time you need to review it before deciding to proceed.
Application
Once you have chosen your preferred option, we handle the application on your behalf, liaising with the lender to keep everything moving smoothly.
Property Valuation
Following your application, the lender arranges an independent valuation of your property. This confirms the maximum amount you can release and the final terms of your plan.
Solicitors Process
Your solicitor handles the legal work, reviewing the offer with you, advising on the terms, and registering everything correctly. We stay in touch with them throughout to keep things moving.
Completion
Once the legal work is finished, funds are released to you and the plan goes live. We remain available afterwards if you have questions or want to review your options in future.
Why Do Clients Utilise Later Life Lending?
Pay off an existing mortgage
We frequently assist clients that have reached the end of their mortgage term, and have no other option to consider other than sale, but they wish to remain in their home. In some cases, we also find that our clients are unable to afford the mortgage on their home, there are no other cheaper mortgage options and they do not wish to move. In this scenario, a later life borrowing option can be a suitable option.
Home improvements
Home improvements are one of the most popular reasons for releasing funds. Whether it's a new kitchen, bathroom, conservatory, or making the home more accessible and comfortable for later life, we help clients invest in the place they love most.
Gifts to family
Some of our clients have utilised Later Life Lending to reduce their inheritance tax bill. To understand how this would work for you, we can provide a referral to an inheritance tax specialist. Releasing property wealth and gifting to family can be a powerful planning tool.
Purchasing a new home
We recently helped a lady of 70 upsize her property so that she had more room for family get togethers. We've also supported many of these cases and have a huge amount of experience in this type of transaction.
Clearing debts
Many clients use funds to clear existing debts, credit cards, or loans, reducing their monthly outgoings and improving their financial wellbeing in retirement.
Purchase a holiday home or caravan
You can use these funds to purchase a holiday home or maintain a caravan in your favourite place.
Supplementing retirement income
For clients whose pension income doesn't stretch as far as they'd hoped, releasing equity provides a way to maintain the lifestyle they've worked hard to achieve.
Care needs
Some of our clients have more complex care needs. With careful planning, a Later Life Lending solution has allowed clients to remain in the comfort of their own home, with their own pension care.
New car & medical reasons
For some of our clients, a new car is high up on the list. We recently had a lady jump the NHS queue to have her new knees completed and now she is already up and about enjoying life again.
Equity release can come with potential risks and consequences, professional advice should always be sought before proceeding.
Am I Eligible for Later Life Lending?
To be eligible to release equity from your home, you simply need to fulfil the criteria below:
- Over 50 years old
- UK homeowner
- Property valued at least £70,000
- Some options will need us to check your income with the provider
Equity release options, such as Lifetime Mortgages, home reversions, or RIO mortgages, are loans secured against your home, which reduce the equity in your property. To understand the specific features and potential risks, request a personalised illustration from our specialist Later Life Lending adviser.
Case Studies
Here's an illustration of our advice which saved his clients many thousands of pounds over the term of their new mortgage.
A recent client enquiry: the clients were 63 and had an IVA in the last 6 years. This situation can make borrowing difficult to obtain in the traditional mortgage sector. The clients had a property valued at £400,000 and an £80,000 interest only mortgage with a subprime lender called Landmark. The current lender had been very difficult to contact with no support provided to the clients.
Mr had income reductions due to changes within his limited company income. This can make borrowing difficult to obtain in the traditional mortgage sector. Mrs had good solid income through her limited company and would pass the lenders affordability checks.
The clients initially requested a lifetime mortgage option having had issues with their previous mortgage applications, they felt after exhausting all their options this was the only route for them. They were happy to look at the lifetime mortgage route as they felt it was their easiest option with zero checks on income and no issues from the lender regarding the IVA situation.
We personally assessed the case with no charge to our client and found a traditional interest only mortgage on an 11-year mortgage term with a fixed rate at 4.5% for 5 years, allowing them to take advantage of future interest rate decreases and to make future repayments from an inheritance with lower early redemption charges.
The new lender interest rate offer is a massive reduction from the current 9.9% interest rate deal they currently pay to Landmark and reduces the client's monthly payments from £660 per month to £300 per month, now allowing them to reduce their capital amount as well as repaying their interest.
The outcome of our advice was that Equity Release and a lifetime mortgage was not suitable for our client, and we found them a suitable traditional mortgage solution. This advice helped them retain future flexibility over their financial options and created a cheaper cost of borrowing.
Common Questions
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