What is Equity Release?

If you’re over 55 and a homeowner, then you could unlock tax-free cash from your home

Equity release allows you to access the value held up in your home and turn it into money you can spend as you wish. How much equity you can release depends on your age and the value of your property. Many clients now find that releasing some of the wealth from their home can help with things such as:

  • Release cash from your home without moving
  • Paying off a mortgage
  • Clearing unaffordable debt
  • Purchasing a new home or holiday home
  • Receive your cash as a lump sum, as an income or both
  • Use the money to spend as you wish; holiday, extension, decorating, new car, helping the family, tuition fees and there are many more reasons
  • No need to make monthly repayments (but some providers give you the option)
  • Plans are regulated by the Financial Conduct Authority (FCA)
  • I only advise on plans from providers who are members of the Equity Release Council

Modern Lifetime Mortgages stand at the forefront of financial planning by providing access to tax free capital to spend as required with no repayments required during your lifetime unless you choose to.

I would go through the different features of each of the the plans provided by each of the lenders which include such names as Aviva, Just Retirement, Liverpool Victoria, Legal & General, Hodge Lifetime, More 2 Life, One Family, Pure Retirement and Canada Life.

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    About Graham

    Cert Cii (M&P & ER), FPC MAQ

    • Certificate In Mortgage Advice

    • Certificate In Equity Release

    • Financial Planning Certificate

    • Mortgage Advice Qualification

    Over 23 years experience

    I have 23 years of financial services experience. I provide professional equity release advice to those aged 55 and above.

    Many of my clients now find that releasing some of the wealth from their home can help with things such as: home improvements, paying off existing mortgages, clearing debts, dream holidays, second homes, school fees and helping with children’s house deposits.

    Modern Lifetime Mortgages stand at the forefront of financial planning by providing access to tax free capital to spend as required with no repayments required during your lifetime unless you choose to, and whilst you retain full home ownership.

    I’d like to discuss with you the features and savings of the different plans that The Later Life Lending Network have extensively sourced and negotiated on your behalf from providers who include names such as Aviva, Just Retirement, Liverpool Victoria, Legal & General, Hodge Lifetime, More 2 Life, One Family, Pure Retirement and Canada Life.

    I offer an initial meeting/discussion either by telephone or face to face without obligation and without charge. Together, we would work through the following:

     

    Why choose me?

    • Whether equity release is a suitable route for you now or possibly later.
    • I’ll explain in full how equity release works and its impact on you & others.
    • Discuss all alternatives and provide access to these options if needed.
    • My recommendation will be based on your needs. If the recommended route is to proceed with an arrangement, then you will be presented with a Key Facts Illustration (a client specific illustration).
    • If you are fully happy to proceed, I will help you with the application process.
    • When an application is completed, you will receive a suitability letter that will fully explain why the Equity Release product has been chosen.

    Contact Graham

    Have a question or looking for more information? Speak to Graham today.

    Contact Graham Today

    Find Out In 30 Seconds, How Much You Could Release, Tax Free