Equity Release

Mortgages

Mortgage advice that’s as
unique as you are

Equity Release Council Member
Equity Release products are designed for people over 55 to take cash value from their homes without having to move. There is a wide range of Equity Release products which can provide a valuable source of income for some people.

These schemes allow the borrower to stay in their home and benefit from the cash released from the equity of their property until certain events occur for example moving into long-term care or death. At this point the lender will be repaid, usually through the sale of the property.

There are different types of Equity Release Scheme, some of which mean ownership or part-ownership of the property passes to the Equity Release provider and others where a cash sum is drawn from a promise to repay the lender on the sale of the property. It is important if you are considering an Equity Release scheme to understand the differences between these scheme types and this is something we can help you with.

Equity release can be very useful in some circumstances but it is essential to seek advice on whether it is suitable for you. We will help you understand if it is the right option for you, so please get in touch if you are considering an Equity Release scheme. We are experts in this market and will make sure you receive the right advice.

Our senior partner Michael Ward, holds the additional qualifications necessary for equity release. And in addition to ensuring continued knowledge of the subject, has through the London Institute of Banking and Finance voluntarily completed their eight syllabus exam and annual review to retain his professional status.

We use an up to date research engine combined with our own knowledge and experience to ensure we find the right product for your individual needs.

We are also a proud member of the Equity Release Council – the council and its member endorsement mark represent the gold standard for Lifetime Mortgages, Home Reversion Plans, and the Later Life Mortgage Market in general.

A LIFETIME MORTGAGE WILL REDUCE THE VALUE OF YOUR ESTATE AND MAY AFFECT YOUR ENTITLEMENT TO MEANS-TESTED BENEFITS AND TAX STATUS.
THE IMPACT OF NOT SERVICING MONTHLY INTEREST PAYMENTS ON A LIFETIME MORTGAGE IS THAT THE OUTSTANDING DEBT CAN GROW RAPIDLY, THUS REDUCING THE VALUE OF YOUR ESTATE. FOR EXAMPLE, IF THE INTEREST RATE WAS 7% A YEAR, A £50,000 LOAN WOULD DOUBLE TO £100,000 AFTER 10 YEARS ASSUMING NO REPAYMENTS ARE MADE. THIS IS AN EXAMPLE FOR ILLUSTRATIVE PURPOSES ONLY AND PERSONALISED ADVICE AND RECOMMENDATIONS SHOULD BE SOUGHT FROM A QUALIFIED PROFESSIONAL.
YOU ARE STRONGLY ADVISED TO REGISTER A LASTING POWER OF ATTORNEY. THIS WILL ALLOW YOUR AFFAIRS TO BE MANAGED BY SOMEBODY ELSE IF YOUR MENTAL ABILITIES SIGNIFICANTLY DECLINE.

With you every step of the way

Why choose us

Convenient Appointments

We understand life can be a little hectic at times, that’s why we make convenient appointments to suit you.

No Obligation Advice

Our initial meeting is free and there is no obligation to proceed with us if you are not entirely satisfied with the mortgages we recommend.

Mortgages To Suit You

No matter your circumstances, we are here to get the right mortgage for you.

With You All The Way

As a responsible Mortgage broker, we want your mortgage to always be a great fit for you. So when it’s time to review it, we will be here to help.

At Your Side

We handle the entire mortgage application process through to completion, liaising with your lender, solicitor and estate agent to deliver a smooth, stress-free experience.

Protecting What Matters

We provide tailored life and home insurance solutions, so you can be assured that your loved ones and possessions are protected.
Ready to discuss your options? Great, let’s get connected!

Working with us

We’re with you every step of the way

With over 35 years of financial services experience, from mortgages to protection, our varied industry knowledge will cater for any financial circumstance you find yourself in.

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Happy customers

Always listening to our customers, our post-completion surveys ensure we are constantly improving.

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Industry knowledge

Our experienced team have completed hundreds of applications to date and it continues to grow day on day.

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Financial expertise

We love our job and hope that shows through when there is nothing about the industry that our experienced team do not know.

Working with brands you trust

Halifax
NatWest
Nationwide
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Accord
Coventry
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Service is key

Our mortgage process

The introduction

We start by getting to know you and your requirements. Here we assess your incomings, outgoings and setting a budget.

Product match

We work and source the mortgage from a comprehensive panel of lenders which is representative of the whole of the market to find the lender and product for you.

Lender agreement

Next up we provide you with an agreement in principle from the lender and then submit the mortgage application for you.

Completion time

Finally, we complete the relevant paperwork and guide you through the remainder of the process until completion.

Mortgages

With access to hundreds of products, we’ll help you secure the right product tailored to your circumstances.

Protection

Family is important; get the expert advice you deserve to help protect what matters, when it matters most!

Insurance

We’ll search through a range of policies to find the one that is most suitable from our range of insurers.

Let’s get connected!

Our experienced team is ready to help support and advise you on your mortgage, protection and insurance applications.