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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 55'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

ABOUT OUR SERVICE - WHAT IS EQUITY MORTGAGE RELEASE?

Equity Release is when you use the value of your home to receive either a lump sum of cash or regular monthly instalments. Depending on the amount of equity release you can get depends on your age. A person of an older age can release a higher percentage of the value of their home, than a person of a younger age, as they are not expected to live as long. There is no maximum age limit for equity release, although applications are not usually granted for anyone under the age of 55 years. Use the equity release calculator to see the potential amount you can with draw from your property.

What are the features of equity release mortgage?

You receive a cash lump sum to spend on whatever you want. Including giving it to family
Take money as a lump sum or monthly instalments as and when you need it
You can continue to live in your home until you die or go into long-term care.
Reduce inheritance tax for your family / loved ones
Fixed interest rate for the life of the loan
Provided by many of the most trusted financial service companies in the UK.
You can still move if you want to, as long as your new property meets the terms and conditions.
We will listen to what you want from your retirement and discuss all the options with you.

Is equity release right for you? We aim to offer you an equity release scheme that fits your personal circumstances. If you can answer yes to all these questions then you may be eligible to an equity release scheme

Are you over 55 years?
Are you a homeowner?
Is your property of standard construction in UK?
Is your property valued at £75,000 or over?
You may be eligible for equity release offered

We recognise that equity release isn't for everyone, we will take the time to listen to your concerns and provide you all the information you need to see whether or not it is right for you and your love ones. If we think it's not, we'll tell you.

For further information, please call us on tel: 01268 573 306 or email us

EQUITY MORTGAGE RELEASE - APPLY TODAY - Reduce your inheritance tax for your family?

Cutting inheritance tax bills. Inheritance tax kicks in at 40% on everything left behind over £312,000 (2008/2009). This figure includes the value of your home. By taking out an equity release you can keep your Inheritance tax under the threshold and is a legal way of mitigating inheritance tax. By doing this for example, to give your family the deposit to buy their own property or for you to spend as you will.

Compare the equity release schemes that are available

We make it easier for you to turn your retirement dreams into reality. There are two different types we offer for releasing the capital from your home, without you having to move: Lifetime mortgage Lifetime mortgage is a loan secured against the value of your home. You receive a cash lump sum or you can take this in monthly instalments. There are no repayments need to be made until the plan ends. The loan, and the interest that builds up, is repaid when the property is sold. The interest builds up through the life of the mortgage and is charged on the total amount borrowed plus the interest already added, the amount you owe increases and will reduce the value you have in your property, possibly to nothing. However, our "no negative equity" guarantee means that you'll never have to pay back more than the market value of your home at the time when the plan ends.

Good points

Plans are available to people as young as 55.
Most loans are fixed-interest, so reducing risk.
No interest payable while you are alive, so you will get a higher income for the same sized loan than with an interest-only mortgage or home income plan.

The provider of a lifetime mortgage will be authorised and regulated by the Financial Services Authority.

Bad points

Interest rates can be high
The uncertainty about how much will have to be repaid at the end
How much will be left for your family.
Interest payments can quickly mount up further reducing what your family will inherit.
Your family could end up with nothing from the sale proceeds
You may not be eligible for a top up loan later.

EXPLORE EQUITY MORTGAGE RELEASE

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