No, we do not charge a fee for our Equity Release service. We simply receive a commission from the lender should you decide to proceed.

Yes, a lifetime mortgage allows you to retain 100% ownership of the property and continue to benefit from any potential future house price rises.

The amount you can borrow is calculated using the age of the youngest applicant and the value of the property.

Typically, the older you are the more you can borrow. Why not try our mortgage calculator and see how much you can potentially borrow.

We are fully authorised & regulated by the Financial Conduct Authority (FCA).

Our firms reference number (FRN) is 563973.

We are fully independent so provide truly impartial advice. We consider every aspect of your financial situation and how they overlap and interact with each other to ensure we give you the best possible advice.

Being independent also means we have access to the whole of the market and can therefore source and recommend the best products for you.

It depends. The interest rate is often linked to the bank of England rate and government gilts.

Please feel free to call us on 01273 749 641 and one of our advisers will be happy to provide you with the latest rates.

The short answer is yes.

As long as the new house meets the lending criteria you can port the equity release mortgage over to the new property.

The equity release mortgage must be the only mortgage secured against property.

You could use equity release to repay your residential mortgage if you wanted.

We are members of the Equity Release Council (ERC), an industry body for the UK equity release sector, to provide you with peace of mind.

All members of the ERC must adhere to the Council’s Statement of Principles, designed to promote high standards of conduct and practice.

The process to release equity from your property is quick and easy. We’ve put together a step-by-step guide to help you.

Once the last borrower dies the equity release mortgage must be repaid. At this point the property would usually be sold, and the proceeds used to repay the outstanding balance. Any equity left over is paid to your loved ones.

If the last remaining borrower moves into a care home the equity release mortgage must be repaid (usually by selling the property).

Yes, the equity release loan can be repaid in full at any time, but early repayment charges may apply.

You also have the option to make voluntary payments throughout the term of the loan if you wish.

Taking out an Equity Release mortgage will not have any impact on your pension(s).

If you receive any means-tested benefits, releasing equity from your property could have an impact on the benefits you receive.

You should check with the local authorities before proceeding.

We will not carry out any credit checks whilst researching a product for you.

After the application stage the lender will check to make sure there are no debts secured against the house that won’t be paid off at the completion of the loan.

UK equity release mortgages are fully regulated by the Financial Conduct Authority (FCA) and you are protected by the FSCS if the Equity Release Provider ceases trading.

• Over 55 years old

• UK homeowner

• Property valued at least £70,000

Securing a new standard mortgage isn’t always simple as you get older. If you’re retired or nearing retirement. Unlike a standard mortgage, equity release is a way of releasing money from your home without having to move or pay anything back until you die or move into long-term care.

If you want to remortgage your home give us a call on 01273 749 641 and we’ll be happy to discuss your options.