Equity Release

Equity Release Advice

Equity release lets homeowners aged 55 and over access some of the value tied up in their home, as a tax-free lump sum or a regular income, while continuing to live there. It can help with retirement income, home improvements, gifting to family or clearing an existing mortgage, but it is a major decision that affects your estate, so it deserves careful, specialist advice.

We are independent and look across the market, so our recommendation is based on what suits you, not on any single provider. Just as importantly, we will tell you honestly if equity release is not the right route, and talk through the alternatives with you.

What We Advise On

• Lifetime mortgages, the most common form of equity release.
• Plans that let you make optional repayments to manage the interest.
• Drawdown options, so you take money as and when you need it.
• Alternatives to equity release, where they would serve you better.

Advice That Protects You

Equity release is not right for everyone, and we take time to make sure you understand the long-term effect on your estate and on any benefits you receive. Where it helps, we recommend plans with safeguards such as a no negative equity guarantee. We are happy to involve your family in the conversation, and your first meeting is free and without obligation.