Homeowners over 55 and want to release cash from you home?

In an ideal world all your hard work and savings would give you the lifestyle you had hoped. However, for many different reasons you may find that this isn't the case!

A Lifetime Mortgage is a method of releasing some of the money stored up in your home without actually having to move. You can use the money for whatever you want and is the perfect way to ease your financial worries and improve your lifestyle.

Here are the most common uses our clients have spent their money on:

• Home improvements
• A special holiday of a lifetime
• Private medical care
• Helping family members
• The security of an emergency fund
• Repaying an existing mortgage
• Generating additional income
• Improving lifestyle

A Lifetime Mortgage is like an ordinary mortgage except that you don't have to make repayments every month. Instead the loan and interest is deducted in one go when you die or sell your home. However, there are some Lifetime Mortgages which do allow interest payments to be made thereby reducing the amount on interest added to the mortgage.

The amount that you can borrow depends on your age and the value of your property, amongst other factors, so you should contact us for guidance on the available limits.

If you are interested in finding out more then we can help you review your options and discuss if an Equity Release Plan would be suitable for you. There is no obligation and we can arrange the meeting for a time that suits you.

Additionally, we will undertake an assessment of any benefits that you receive (or may be entitled to) and issue you with a report detailing whether these may be affected if you go ahead with a Lifetime Mortgage. Make sure that you involve your family and take independent legal advice before you go ahead. Most importantly don't be rushed into making a decision.

This is a Lifetime Mortgage. To understand the features and risks ask for a personalised illustration.

How Are We Paid?

After your free initial consultation if you would like us to provide a full client specific recommendation and report, there is a non-refundable fee of £125. If you proceed with our recommendations, we charge an arrangement fee of 1% of the facility amount (subject to a minimum of £695) which is only payable on completion.