Equity release mortgages are for our later life borrowers over the age of 55 which typically have no end of term date.
They are often known as lifetime mortgages as they are ongoing until the client dies or goes into long-term care. In the event of a joint mortgage it will end in the event that the second person enters long term care or dies.
Clients maintain ownership of their property whilst releasing money which can be used for various purposes. Some clients will pay off repayment or interest only mortgages, unsecured or secured loans, credit cards, or spend the money on gifting to family, holidays, cars and property maintenance.
They can be used to remortgage your existing home if you wish to stay in the current property but can also be used to purchase another property should you wish to move house.
We offer all equity release advice on a face to face basis only and are happy for you to have a guest in attendance should you wish to be accompanied.
This is a lifetime mortgage. To understand the features and risks please ask for a personalised illustration.
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A Lifetime Mortgage will reduce the value of your estate, will not be suitable for everyone and may affect your entitlement to state benefits.
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.
We normally charge a fee for Equity Release advice; however this will be dependent on your circumstances. Our typical fee is £895 payable on completion.
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Mrs T-J, Surrey
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Mrs K & Mr W, London
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