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Release Equity Mortgages

If you have a home with equity locked in, you maybe able to release cash in order for you to spend lots of money...!

Release Equity From Your House

Equity release schemes involve releasing cash from your home property for the over 50's to unlock equity release cash from your home for your retirement. READ MORE...

MORTGAGE EQUITY RELEASE

More and more older people are turning to equity release mortgages to enable them to free up some of the value in their properties.

More and more older people are finding it hard to deal with as the cost of living continues to increase. An equity release is an option but not for everyone. Get professional advice.

As the UK population continues to get older and property continues to increase in value, equity release schemes are certain to continue.

Free Equity Release Brochure

EQUITY RELEASE

Home Reversion schemes allow you to sell all, or part of your home to a finance company in return for a cash lump sum or for a monthly income

To take advantage of the equity release products you will need to talk to our approved financial adviser, they can also arrange a solicitor if you do not have one.

Get personalised professional advise from a FSA registered consultant regarding the features and risks of all equity release products.

Free Reversion Plan Brochure

EQUITY CALCULATOR Use our equity release calculator to see how much you can release from your property. Enter your age and press "Calculate" to determine the Equity available in your home Loan limits The maximum loans will be expressed as a percentage of the original property value as shown in the table below.
Your Age	Increasing cash reserve	Lump sum
55	10%	15%
56	11%	16%
57	12%	17%
58	13%	18%
59	14%	19%
60	15%	20%
61	16%	21%
62	17%	22%
63	18%	23%
64	19%	24%
65	20%	25%
66	21%	26%
67	22%	27%
68	23%	28%
69	24%	29%
70	25%	30%
71	26%	31%
72	27%	32%
73	28%	33%
74	29%	34%
75	30%	35%
76	31%	35%
77	32%	35%
78	33%	35%
79	34%	35%
80	35%	35%
81	35%	35%
82	35%	35%
83	35%	35%
84	35%	35%
Please note Equity Calculator Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues

Property value
Minimum £100,000	Maximum None
Loan values
Minimum Initial Loan for Increasing Cash Reserve plan	£10,000
Minimum Initial Loan for Lump Sum plan	£20,000
Minimum additional loan (Increasing Cash Reserve only)	£3,000
Maximum Loan See table above	There is no maximum loan limit
Interest rate
The interest rate on the loan is fixed for the duration of the contract. Additional borrowing will be charged at the prevailing rate of interest at the time that the new monies are advanced. Therefore different advances will have different interest rates. Note – all interest rates will be fixed for the life of the mortgage. The prevailing rate is determined by mortgage company, taking into account the market environment.
Property valuation
The initial loan, additional drawdowns and the various plan options are all determined by reference to the value of the customer’s property. The property valuation principles are as follows: 1. The property is valued at the inception of the loan based on current market valuation by an independent valuer instructed by the mortgage company 2. The offer document will clearly state the property value. In accepting the offer the customer is also accepting the assessment of the property value. 3. All plan options determined by reference to the property value will be calculated based on the initial property value. 4.Market rises and falls in the property value will, therefore, not affect the level and range of options/benefits/features available under the contract. For further information, please call us on tel: 01268 573 306 or email us

EXPLORE EQUITY MORTGAGE RELEASE

Equity Release	Equity Mortgage	Mortgage Equity
Equity Release Scheme	Home Equity Mortgage	Release Mortgage
Home Equity Mortgage Loan	Mortgage	Age Concern