Mortgages & Equity Release

Our Independent Mortgage & Protection specialist knows and understands the evolving market; we want to make sure you get the right mortgage that is most suitable for your circumstances and gives you the best value.

There are hundreds of mortgage products available offering a wide range of interest rates, rate types, flexibility, fees, features and penalties. Each mortgage lender specifies its own lending criteria and changes take place continually.

The decisions involved with a property purchase or remortgage are amongst the biggest financial ones that most people will have to make. It is therefore important to make the right, informed choice from the beginning. For example, a mortgage that begins at the lowest rate may not necessarily be the most suitable or cost effective in the long term.

Equity Release enables you to access the equity tied up in your home if you are over the age of 55.

Most people who take out Equity Release use a Lifetime Mortgage*. Lifetime Mortgages differ from lender to lender and we provide you with full advice and make recommendations to you, taking time to understand your circumstances.

A Lifetime Mortgage is a loan secured against your home, providing you with a tax-free sum that you can take all at once or in smaller amounts. Taking smaller amounts may incur different interest rates, depending on the rates available at the time.

It’s entirely up to you how you spend the money that you release from your property. Whether it’s home or garden improvements, helping a family member onto the property ladder, supplementing your pension income or repaying an interest-only mortgage debt. Equity Release is a big decision and there are many factors to consider, especially if securing debt against your home. For this reason, it is only possible to get a lifetime mortgage through a lifetime mortgage adviser.

Lifetime Mortgages differ from lender to lender and we will take time to understand your circumstances before providing you with full advice and make recommendations.

Please note:

  • Your home may be repossessed if you do not keep up repayments on your mortgage.
  • To understand the features and risks of Lifetime Mortgages, ask for a personalised illustration.