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To access money tied up in your home through life time mortgages or home reversion schemes, and to help plan provision for long term care and inheritance tax liabilities.

For many people the main asset they have invested into over the years is their home, and when they retire, due to personal circumstances, poor pension provision, or poor performing pension schemes, they find that they are asset rich but income poor.

There are various ways of unlocking the capital in your home either by downsizing, re mortgaging, room letting, or taking out a lifetime mortgage or home reversion scheme. We offer an advisory service to help you decide which option best suits you, and does not always involve the use of an equity release scheme, which for some people can be a costly option compared to other avenues they can take.

If we do advise you to take out an equity release scheme, we will only use Equity Release Council member providers, as these all have to offer contracts with a “no negative equity guarantee”, which means you will never owe more than the property value.

Because we operate on a whole of market independent basis, we offer our services on a fee basis but this may be offset if the provider makes a commission payment. You will be given the choice of how we are remunerated for our services at the start of our discussions, but a typical fee for an Equity Release Scheme application would be £1500, which would be offset against any commission we would receive from the product provider.

For example, if a product provider paid us a commission of £500, the fee charged to you would be the balance of £1000.

Each case is evaluated individually, and so fees would vary accordingly.

Equity release may involve a lifetime mortgage or a home reversion plan. To understand the features and risks, ask for a personalised illustration.

Equity release may not be right for everyone. It may affect your entitlement to state benefits and will reduce the value of your estate

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