What we do

Equity Release can help you to unlock some of the value in your home, potentially to enable you to improve your lifestyle. But it isn’t for everyone.

Some people won’t be eligible, and even those who do qualify need to make sure that Equity Release is the right choice for them and their family. That’s why you’re obliged to get professional advice before making a decision.

To make sure that you get the most from your meeting, it’s worth thinking carefully about what you need to do ahead of your appointment, as well as the questions you need to ask and the type of help you can expect from us. You should also be prepared to discuss alternatives to Equity Release; you might find there are other ways of achieving your aims which would work better for you. It’s important you know what all your potential options are.

We offer a free, no obligation initial meeting and a competitive, transparent fee structure.

If you are interested in exploring the possibility of Equity Release, this is the process we follow:

1. Prepare for the initial meeting

  • Be prepared! Gather together identification (passports, driving licenses and council tax or utility bills), bank statements, details of income, regular outgoings or planned one-off expenditure and information about any benefits you may receive. This will help us give you the most appropriate advice for your circumstances.
  • To help us to build a picture of your finances, bring along details of savings accounts, state benefits, investments, pensions and any outstanding mortgage or other loans. Like most financial products, Equity Release needs to be considered as part of the full picture of your financial affairs, so if you’re in any doubt about whether something is relevant, bring it along anyway.
  • Think about what you want the money for. Having a clear idea of your intentions will help make sure our discussion covers the type of Equity Release products which are most closely matched to your needs.
  • It’s often good to have a family member or friend with you at your meeting. Equity Release will reduce the amount you are able to leave as an inheritance, so it’s important that they understand what your intentions are.

2. At the meeting

We will talk to you about your personal circumstances, your current financial concerns and the kind of lifestyle you want during retirement. You will find we cover most of your areas of concern during the course of our conversation.

By the time we part, you’ll have answers to several key questions. These include: If you’re choosing between different Equity Release and/or providers, you’ll also find out:
  • Are we eligible for Equity Release?
  • Is there enough equity in our home to release the amount we want?
  • Have we explored the alternatives to Equity Release?
  • How would Equity Release affect any amount we may be able to leave to our loved ones?
  • What are the costs likely to be, and what are the fees for?
  • How might Equity Release affect our tax position and eligibility for state benefits?
  • What if one of us was ill, and had to move out?
  • What if we wanted to move home at some point in the future?
  • Could any other people live in the property after we take out Equity Release?
  • What happens to our home when we die?
  • Who is the provider, and how good is their customer service?
  • Do they offer a no negative equity guarantee?
  • Have they signed up to the Equity Release Council’s Statement of Principles?
  • How long will it take to set up the arrangements, and how will they deal with any valuation and surveying work required?
  • When will we receive the money?
  • Can we make repayments, and will there be charges if we do?

3. After the meeting

We’ll always be pleased to provide ongoing assistance throughout the application process and beyond, according to the arrangements we make.

We will:

  • If appropriate, arrange further meeting to review the rest of your financial affairs to ensure they are on track to meet your goals and aspirations
  • Offer information and guidance on any surveying and legal work which may be necessary
  • Help you with the forms and arrange an independent valuation of your home
  • Consider issues such as Wills, Trusts and Lasting Powers of Attorney, or whether you’ve made provision for any long-term care which you may eventually need
  • Work with third parties to manage the process from application to completion
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