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What is Equity Release?

Releasing equity allows you to access the value held up in your home and turn it into money you can spend as you wish. You could unlock tax-free cash for home improvements, repay debts, medical needs or even for a holiday of a lifetime.

How much equity you can release depends on your age, how much your property is worth and how much you choose to borrow. If you are retired, you may be equity rich but cash poor, so having a lump-sum or a number of smaller amounts could be beneficial to your needs.

People over 55 often have little or no outstanding mortgage and lots of value tied up in their home. If you are wanting a long-term solution to any financial difficulty, or just a helpful payout, releasing equity could be the difference between just surviving, or enjoying your later years.

I’m a member of the Equity Release Council and recommend products covered by their rules.
This is a lifetime mortgage. To understand the features and risks, please ask for a personalised illustration. Check that this mortgage will meet your needs if you want to move or sell your home or you want your family to inherit it. If you are in any doubt, seek independent advice.

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What can Equity Release be used for?

Equity release could help in either of these situations:

  • Release cash from your home without moving out;
  • Receive your cash as a lump sum, as an income or both;
  • Use the money to spend as you wish;
  • No need to make monthly repayments (but some providers give you the option);
  • Plans are regulated by the Financial Conduct Authority (FCA);
  • We only advise on plans from providers who are members of the Equity Release Council.

Why use me?

I have 15+ years of experience in this industry and I’m keen to explain everything clearly to you, give you the right service and help support you throughout the whole process

I offer a free no obligation consultation. This can be done face-to-face or by telephone, but if you prefer Zoom/Teams/Facetime, I can arrange this also.  I will provide you with all the information you need, including the costs involved, so that you can make your own informed decision.

Don’t take my word for it …

Mrs Ramage

Alison you were like a friend dropping in.  You really put me at ease as I had done nothing like this before and didn’t know how to go about it.  My family told me to go ahead with it.  After I lost my husband in October, I needed some extra cash for home improvements.  It really was straightforward and very soon completed with no fuss so I am really pleased with the outcome – all thanks to you.

Mrs Mahon

I recommend Alison to anybody wishing to apply for equity release. I feel very lucky that she acted on my behalf.  She is a lovely person who put me at my ease right away.  She was so helpful, she explained every step of the process fully so I was quite sure of what I was doing.  I can’t thank her enough.

Mr and Mrs Hall

Prompt action – always kept appointments and kept us informed by telephone at every stage.  Alison was very knowledgeable and gave us all the detail required for Equity Release.  We were given time to process the detail and did not feel forced into a quick decision.

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Contact

Alison.Martin@thelaterlifelendingnetwork.co.uk

07866 965441

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‘The Later Life Lending Network Ltd’ is an appointed representative of The Right Mortgage Limited, which is authorised and regulated by the Financial Conduct Authority.