By providing advice on equity release products we specialise in helping clients make the most of their retirement.

Equity release release allows you to do some of the following:

How we can help:

Equity release by Lifetime Mortgage or Home Reversion?

These are the two main methods of equity release -

Lifetime Mortgage

This type of equity release mortgage is secured against the value of the home. There are no monthly repayments and interest is rolled up over the life of the loan and repaid upon leaving for long-term care or death; at this point the property is sold and the lender repaid. The loan can increase as interest is added over time to greater than the value of the property depending on how long the plan is in force for. (This is a lifetime mortgage. To understand the features and risks, ask for a personalised illustration).

Home Reversion Plan

A home reversion plan involves selling a percentage of a property to a reversion company for a fixed amount. Homeowners will receive a certain percentage of the value of the property depending on their age. When the property is sold, the reversion company receives the same percentage of the sales proceeds, which was originally borrowed against the value of the home.(This is a home reversion plan. To understand the features and risks, ask for a personalised illustration)

There are currently many equity release plans to choose from. You can save your estate much money if you choose the right one. We firmly believe quality equity release advice is important here.

The Next Step

But how do you find the right equity release method for you?

There are different lenders offering equity release mortgages and home reversions deals.. If you contact us, we can look at your circumstances in confidence. We have many years experience in providing equity release advice.

We have access to up to the minute information on the whole of this complicated market. Using this we and our many years of experience we can identify the most suitable equity release schemes that meet your particular needs.

Our service is not restricted to our local area. We provide equity release advice to clients all over Great Britain. We are able to help wherever you are in the UK. If you would like to discuss you circumstances in confidence, please do not hesitate to get in touch on -

Tel: 01244 512247

Latest Equity Release News

Equity Release Schemes

Since the credit crunch the equity release market has had some difficult times. Many lenders, some high profile, found it difficult to raise funds to enable them to offer equity release facilities to clients. Sadly many closed for new business leaving a smaller number of providers to choose from.

Happily, one or two banks have slowly started to dip their toe back into the equity release market. One of these is an interesting new option from Partnership. Where it differs from most of its equity release competitors,  is that I t has a product offering better rates for those suffering from conditions such as diabetes or cancer.

This enhanced equity release mortgage is available to property owners aged 60 and over whose property is worth at least £70,000. The minimum cash release for this equity release mortgage is £25,000. Interestingly homeowners will not be charged a fee when they take out the product. There will be a fixed annual interest rate .

We include a quote from Ged Hosty Partnerships MD – Equity Release.

"We did customer research and we found that the cost of paying for the valuation up front and then the other charges was proving a real barrier to sales in a market where people are short of cash. It seemed counterproductive to give people cash with one hand and take it away with the other in the form of charges. We do have an interest rate charge and I feel this has improved the transparency of the charging structure."

This equity release product is interesting in that, in addition to those suffering from long term conditions like diabetes and high blood pressure, smokers will also receive better rates.

Partnership believes up to 40% of over 60s will be able to qualify for some type of equity release enhancement.
The product has a no negative equity guarantee and inheritance protection is also built in as standard.

“This is a lifetime mortgage or home reversion plan, to understand the features and risks please ask for a personalised illustration”

Equity release

Equity Release Advice

Equity Release Schemes

Equity Release Mortgages