Questions and Answers

I am considering equity release – What should I do now?

Equity Mortgage Release is a lead generation site that focuses on equity release schemes. All leads generated are sent directly to an Independent Mortgage advisor who are approved FSA registered consultants. Equity Mortgage Release website was created to show you how you can easily unlock the cash from your home with equity release and to provide you all the information on equity mortgages,

Why should I get independent specialist advice?

When considering a big financial commitment like equity release, we suggest you should get expert help to fully understand the advantages and disadvantages. There are a variety of equity release schemes and our qualified FSA specialist advisers will be able to tell you all about them. 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.

When do I have to repay the Equity Release Loan?

With an equity release scheme there are typically no monthly repayments required. The loan is repaid when the house is finally sold, which usually happens on your death or when you move into long-term care. If you have a partner, he or she could remain in the home, since both partners obtain the right to stay in your home for as long as you wish. There is commonly the possibility to repay the loan early, but some providers apply an early repayment charge in that case.

Am I at risk when house prices change?

All schemes have the No negative equity guarantee” This is because we only sell SHIP schemes. "no negative equity" guarantee that protects you against the negative impact of falling house prices. This feature ensures that you will never owe more than the value of your property. You still continue to benefit from any rises in house prices, adding to the value of your home, unless you've released all of the equity already with a home reversion plan.

Would equity release affect them the benefits I am receiving?

Receiving extra money through an equity release scheme could have an impact on your entitlement to state benefits. You should inform our FSA specialist advisors of your income a personalised report will be done for you and it will show you how equity release will affect your current situation.

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

EQUITY MORTGAGE RELEASE - APPLY TODAY

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?

• 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