Our advisers will look at all your later life borrowing options to find you the right product suited to your needs.
The equity in your home is the market value of your property minus any outstanding mortgage or other debt secured against it. In other words, it is the amount of money you’d get if you sold your home for cash. And with recent years’ property price increases, if you bought your home a while back, you may find that you have a large amount of equity in it! If you did not want to sell your home, equity release allows you to access this equity while continuing to live in your home and without having to make any monthly repayments.
The main advantages of equity release are:
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Equity release should not be a decision to take lightly and you should weigh up all the advantages and disadvantages. You may want to consider first if downsizing your property may be an option. There are of course situations when downsizing is not an option and equity release can play a crucial role in funding a comfortable retirement. There are many reasons why people consider equity release:
funding home improvements,
gifting money to a family member
getting rid of existing debts or mortgages or,
simply for living a better retirement life.
Very often, equity release can provide a financial lifeline for those with an interest-only mortgage but without a repayment strategy in place to pay it off. Equity release could provide a solution to this problem.
This is the most popular type of equity release for those aged 55 or over. Here are some things you should consider about lifetime mortgages:
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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There are many things to consider before an adviser can recommend you the right equity release product and that is why you need to be prepared for a thorough process.
Speak to an adviser now or let us call you back.
For you, this is a guarantee that we offer products and services which conform to the best practices of the equity release sector. As members, we comply with the council’s principles:
Fairview Financial Ltd is an appointed representative of The Right Mortgage Limited, which is authorised and regulated by the Financial Conduct Authority. Fairview Financial Ltd is registered in England and Wales no: 10912424. Registered office: 107 Promenade, Cheltenham, GL50 1NW.
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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A fee may be charged for mortgage advice. The exact amount will depend on your circumstances.
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.