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What is Equity Release?

Equity release, or later life lending, allows individuals aged 55 and over to release money from the property they live in without having to make any monthly repayments.

Equity Release Explained

There are two types of equity release: Lifetime Mortgages and Home Reversion plans. Both of these are regulated by the Financial Conduct Authority. By using an equity release product, a home owner can draw a lump sum or regular smaller sums from the value of their property, while remaining in their home. 
 
Equity Release can play a crucial role in retirement funding, and the flexibility and safeguards which are built into plans that comply with the Equity Release Council product standards enables thousands of home owners every year to safely tap into their housing wealth without having to worry about making monthly repayments. 
FIND OUT MORE

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.

How We Help

If you are thinking of taking out an equity release plan then you need to find out as much as you can about your options and weigh up the advantages and disadvantages fully before you decide if equity release is right for you. 
 
Our fully qualified equity release specialists will help you to understand the steps involved and talk you through your options, the effects this might have on state benefits and tax and your obligations. And of course, we can also explain the full benefits of Equity Release.  

What Type of Plan?

Part of your choice will be over the type of plan required. In the modern equity release market there are a range of products to choose from, with new and innovative products being created regularly. This means that whatever your equity release needs, there is likely to be an equity release plan available to meet them. 

Lifetime Mortgages

The different types of Lifetime Mortgages include a lump sum lifetime mortgage, a drawdown lifetime mortgage and an interest-only lifetime mortgage. All of these are secured against your home, and with a lifetime mortgage, the most popular form of equity release, you maintain 100% ownership of your home.

Home Reversion Plans

Home Reversion Plans A home reversion plan works by you selling some or all of your home to a specialist provider. How much you might receive is determined by your age, the value of your home, and in some cases your health. Typically, the older you are, the more money you will be able to release.

Within these two main categories of equity release, there are many different options available and it is important that your current and future needs are matched with the right type of equity release plan, which a specialist equity release qualified advisor can help you with. We are not authorised to provide advice on home reversion plan and will refer you to an authorised specialist, who can assist you in this area.

Our advisors can also help you to establish whether taking out a Lifetime Mortgage or a Home Reversion Plan might affect your tax position, your eligibility for means-tested benefits or your ability to move or sell your property. Do talk to us about these if you are at all unsure. 
 
There are advantages and disadvantages in both types of plans, so it is important for you to find out as much as you can, to get qualified advice and, if possible, to talk it over with your family to ensure you choose the right plan to fit your needs. 
 
To help you understand the features and risks of an equity release plan, we will of course also provide you with a detailed, personalised illustration. 

We're here to help!

If you would like to find out more about how our equity release solutions might be able to make your dreams come true, contact us today for a free, no obligation initial consultation* 
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Please note: Equity release may involve a home reversion or a lifetime mortgage, which is secured against your property. Property Wealth Advice are unable to advice on home reversion. 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.
Property Wealth Advice 
Principal: Ian Noble, Cert CII (MP & ER)
48 Sutton Park, Blunsdon, Swindon, Wiltshire SN26 7BB
 

Property Wealth Advice Ltd is an Appointed Representative of The Right Mortgage Ltd, who are authorised and regulated by the Financial Conduct Authority. Registered in England and Wales no. 15399953. Registered Address : 71-75 Shelton Street, Covent Garden, London, United Kingdom, WC2H 9JQ.

We provide initial advice for free and with out obligation. Only if you choose to process and your case completes would a typical fee of £1,495 be payable.

The information contained in this website is subject to UK regulatory regime and is therefore intended for consumers based in the UK.