Equity Release Mortgages

Equity Release Mortgages

Equity release represents a very attractive prospect for investors who wish to borrow money against the value of their home without having to sell the property in its entirety.

We offer access to a range of plans that facilitate the unlocking of equity from your main residence, including Lifetime Mortgages, Home Reversion and Income Plans. Funds can be used to improve your financial situation with debt usually repaid from the property sale proceeds after death.

Our equity release specialists will:

  • Help you to understand whether equity release is suitable for you;
  • Source the most suitable option for your circumstances;
  • Offer key examples of how the funds can be used, e.g. to enhance your standard of living in retirement or reduce inheritance tax liability on your estate;
  • Explain the full financial implications and your rights and restrictions with an equity release contract;
  • Determine whether tax applies on your equity release funds (usually such funds are tax-free; however, if funds are invested there may be tax to pay on any income or growth generated).

The nature of equity release also makes it a great opportunity if you do not have a family to inherit your assets and wish to use the funds to improve your lifestyle.

Risk Warning: This is a lifetime mortgage (home reversion scheme). To understand the features and risks, ask for a personal illustration.