Our Service to you...
We will speak with you initially over the phone to find out your reasons for considering a Lifetime mortgage and to determine whether it may be the right option for you. By looking forward, we can ensure that the recommendations we make today, will serve you well over time, and cater for any change in your circumstances.
By providing a tailored recommendation in writing without any upfront costs or obligation to proceed will allow you to have the facts available to make an informed decision and release the potential from your home.
As equity release specialists we provide informative impartial advice covering your options as well as explaining how equity release will affect potential inheritance and how your entitlement to means-tested benefits could be affected now or in the future.
Equity release requires paying off any existing mortgage. Any money released, plus accrued interest would be repaid upon death, or moving into long-term care.
We provide initial advice for free and without obligation. Only if you choose to proceed and your case completes would a fee of £1695 be payable.
0800 464 0232
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Key Features of Lifetime Mortgages
Full control on whether you make interest payments. Payment options include monthly, ad-hoc or interest allowed to ‘roll up’.
A tax-free lump sum of money with the option to have a ‘drawdown’ facility.
Fixed interest rates for life on most plans.
Money is yours to spend how you wish after paying off any existing mortgage.
Retain the full ownership of your home.
Must be aged 55 or over and own your own home.
Popular uses of Lifetime Mortgages
Home Improvements.
Updating your double glazing / kitchen / bathroom. Build an extra bedroom for visitors.
Debt Consolidation
it may be cheaper for you to pay of all your existing debts and consolidate them.
Think carefully before securing debts against your home.
Dream Holiday
Go on that holiday you always talked about. Visit family members on the other side of the world.
Additional Income
Have a flexible system to draw down additional funds on a regular or ad hoc basis.
Gifting
Financial gift to a family member. Helping children/grandchildren onto the property ladder..
Paying existing mortgage
May give you peace of mind and allow greater flexibility on payments.
Equity release may reduce the amount of inheritance you can leave and in some cases the lump sum of money that you release could affect your entitlement to any means-tested benefits that you may receive now or in the future.