Offering clear, straightforward advice on equity release guiding you to find the plan that’s right for you.
If you are aged 50+ and looking to, enhance your lifestyle, enrich your retirement, or help your family… Then equity release might be the right solution for you.
With extensive whole-of-market expertise, we are passionate about advising our clients if equity release is right for them and if so, helping them to achieve the best possible outcome. And we will tell you, if we believe that equity release is not the right solution for you or indeed if there is an alternative that provides you with a better outcome.
We provide initial advice for free and without obligation. Only if your case completes would our advice fee of £1,695 be payable. Other lender and solicitor fees may apply.
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. Equity release requires paying off any existing mortgage. Any money released, plus accrued interest would be repaid upon death, or moving into long-term care.
A loan secured against your home. The loan and any interest accrued is repaid when you pass away or move into long-term care, unless you repay sooner.
With a lifetime mortgage you have the option to take the funds as a lump sum or defer some of the monies for when they are required.
This is when you sell all or part of the value of your home to achieve a tax-free cash lump sum but retain the ability to remain in the property for life. And you retain a beneficial interest in the part of the property that you were not required to sell.
Please note that all equity release funds are currently tax-free at the point of receipt.
Access our useful tools available to for you to help plan your equity release journey.
Equity release is a regulated product, and we are required to undertake a fact-find to ensure that you qualify for equity release and determine if a plan provides you with the right solution to meet your needs and circumstances. A fact-find is basically an exchange of information.
Having completed a fact-find we can then undertake whole-of-market research, to determine which provider can offer you the most suitable plan to meet your individual circumstances and provide you with the best possible outcome.
Having completed our research and issued you with our recommendation pack, we will then undertake our advice presentation meeting. During this meeting we will talk you through the recommendation, explain why we believe the recommendation is right for you, confirm your understanding and answer any further questions that you may have.
We will review your plan annually to ensure that it is still providing you with the best possible outcome, or sooner if your circumstances have changed and you require any further advice.
We have partnered with award-winning experts who can provide advice on alternative lending solutions as opposed to equity release.
If you gave a question about Equity Release, how we can help, or you’re ready to plan your next steps. Please get in touch.
Advice is required before proceeding with equity release, as Equity Release may have an impact on your entitlement to means tested benefits now or in the future. To understand the features and risks, ask for a personalised illustration.
