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Keep up to date with the latest news and our guides on all things mortgages. 

Archive by category: HomeownersReturn
June 2023
Using equity release to fund private healthcare

Using equity release to fund private healthcare

Remortgages, Equity Release, Mortgage tips, Homeowners |
As we age, our healthcare needs tend to become more complex and expensive. Our ability to work and earn a stable income may decline, leaving us struggling to pay for healthcare expenses. This can be particularly challenging for those who need long-term or specialised care. Why should looking after yourself stop just because you have got older?
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May 2023
Looking to reduce your expenses and free up equity, is downsizing really an option for you?

Looking to reduce your expenses and free up equity, is downsizing really an option for you?

Home Movers, Equity Release, Mortgage tips, Homeowners |
Are you looking to reduce your expenses and free up equity but believe the only option is to simplify your living space by moving to a smaller property? Recent research suggests that you're not alone in considering downsizing. BUT, strong ties to your community and the security of familiar surroundings may lead you to thinking there are other options.
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Is your family protected? How to ensure your protection policies keep up with life changes

Is your family protected? How to ensure your protection policies keep up with life changes

Protection, Homeowners |
Changing jobs can be an exciting time, but it's important to remember that it can also impact your protection policies. Significant life events, such as moving home, having children, or changing jobs, can all impact the effectiveness of your current protection arrangements. Inadequate protection or policies that no longer work for you can leave your family vulnerable.
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April 2023
I’m over 55, do I choose Equity Release or a Retirement Interest Only Mortgage?

I’m over 55, do I choose Equity Release or a Retirement Interest Only Mortgage?

Home Movers, Equity Release, Mortgage tips, Homeowners |
Retirement can be a time of great excitement, but also of uncertainty. One of the biggest financial challenges facing many people over the age of 55 is how to access the equity they have built up in their homes to fund their retirement. There are two main options available to homeowners in the UK: Retirement Interest Only Mortgages (RIOs) and Equity Release Lifetime Mortgages (ERLMs). Both of these products can be used to release equity from your home, but they work in very different ways.
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March 2023
Landlords, are you up-to-date on the latest Energy Efficiency Standards and EPC requirements?

Landlords, are you up-to-date on the latest Energy Efficiency Standards and EPC requirements?

Buy to Let, Homeowners |
As part of the UK government's commitment to achieve net-zero emissions by 2050, there are upcoming changes to MEES and EPC requirements for both commercial and residential properties. These changes could affect landlords who own properties that are not yet compliant, and it is important for them to be aware of the new rules to avoid penalties and ensure their properties are available for renting.
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Could Equity Release help you repay your interest-only mortgage?

Could Equity Release help you repay your interest-only mortgage?

Equity Release, Homeowners |
In the 1990s, there was a boom in interest-only mortgages, and many homeowners who took out these mortgages during that time will now be coming to the end of their mortgage term with the full or a large amount of the capital needing to be paid off. In fact, it is estimated that almost half a million interest-only mortgages are due to end before 2027*. This can be a stressful time for homeowners, who risk losing their home if they are unable to repay the mortgage when the term ends.
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February 2023
Equity Release: Unleashing the Potential of Your Home's Equity

Equity Release: Unleashing the Potential of Your Home's Equity

Equity Release, Mortgage tips, Homeowners |
Equity release has gained popularity among homeowners who are in their retirement years and wish to access the equity in their home without having to sell it. The cost of living continues to increase, and inflation has hit double digits, making equity release a valuable solution for supplementing retirement income.
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December 2022
Life Insurance: Ensure your family can continue the Christmas magic for years to come no matter what

Life Insurance: Ensure your family can continue the Christmas magic for years to come no matter what

Protection, Homeowners |
For most of us Christmas means spending time with our loved ones. But what if the worst were to happen, would your loved ones still be able to have a Christmas? Protecting your family’s finances can ensure the least disruption to those events that can be particularly difficult to face for loved ones after losing someone important.
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Inheritance tax allowance freeze: What does it mean?

Inheritance tax allowance freeze: What does it mean?

Saving Money, Homeowners |
As announced in the Autumn statement by Chancellor Jeremy Hunt, the government have made the decision to freeze the inheritance tax (IHT) thresholds for two more years. But what does this mean?
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New Year, New Home? What it means to port your mortgage to a new property

New Year, New Home? What it means to port your mortgage to a new property

Home Movers, Mortgage tips, Homeowners |
Have you outgrown your home? Relocating to a different area? Perhaps you’re looking to downsize? No matter the reason, 2023 could be the year of the New Home for you and your family.
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Stay Informed: Mortgage Tips & Trends

The Great British Affordability Divide: Where Can First-Time Buyers Actually Afford to Buy?

If you've ever dreamed of owning a home but felt priced out of the market, new data from Nationwide ...
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Can You Use Later Life Lending To Turn Your Garden Into A Summer Oasis?

Summer is just around the corner, and we are looking forward to Pimm’s in the garden. A couple of c...
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Did You Know You Can Use Later Life Lending to Stay in Your Home?

As a later life lending broker, one of the most meaningful conversations I have with clients isn't a...
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Is Critical Illness Cover Worth It? Honestly, Yes, And Here's Why

What actually is critical illness cover? It pays you a tax-free lump sum if you're diagnosed with a ...
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Protecting Your Empty Property: What You Need to Know

Do you own a house that is sitting empty? Whether it's awaiting sale, between tenants, undergoing re...
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Are You Looking in a UK Housing Hotspot?

The UK housing market is showing some fascinating twists as we move into 2026, with certain towns an...
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2026 Insurance Update

The UK insurance market continues to evolve, shaped by technology, climate pressures and regulatory ...
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What Are the Most Common Reasons for Later Life Lending?

In recent years, it has shifted from a "last resort" financial product to a strategic, mainstream pl...
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From First-Time Buyers to Remortgagers, What New Products Are Out There for You?

It’s a busy time for changes in the mortgage world. Are you up to date? We are seeing lots of excit...
Read More

Gifting A First-Time Buyer? Maybe Equity Release Will Help

You might have heard of equity release, but did you know it’s a practical and increasingly common w...
Read More


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The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

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Our Fees        

A fee may be charged for mortgage advice. The exact amount will depend on your circumstances.

Our standard fee for mortgages is £395 and this is paid when the mortgage is offered. We charge a fee of £295 First-Time Buyers. Other fees may apply depending on the complexity of the work involved or loan amount. The maximum fee we can charge is £795.

Our standard fee for Equity Release is £895 and this is paid on completion.

We also receive a commission from the lender that will vary depending on the lender, product or other permissible factors. The nature of any commission model will be confirmed to you before you proceed. If we receive a commission, this will not affect the cost payable by you.

THINK CAREFULLY ABOUT SECURING OTHER DEBTS AGAINST YOUR HOME.

YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED ON IT.

BUY TO LET MORTGAGES ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.

EQUITY RELEASE: THIS IS A LIFETIME MORTGAGE. TO UNDERSTAND THE FEATURES AND RISKS, PLEASE ASK FOR A PERSONALISED ILLUSTRATION. CHECK THAT THIS MORTGAGE WILL MEET YOUR NEEDS IF YOU WANT TO MOVE OR SELL YOUR HOME OR YOU WANT YOUR FAMILY TO INHERIT IT. IF YOU ARE IN ANY DOUBT, SEEK INDEPENDENT ADVICE.


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