EQUITY RELEASE

Unlock the cash from your home

An Equity Release scheme allows you to access the money that is tied up in your home.
The equity (value) you have in your home is its open market value less any mortgage or other debt held against it. Equity release is a way of getting cash from the value of your home without having to move out of it.
With an equity release scheme, you must be over a certain age (typically over 60) and own your own home. Such schemes allow you to obtain a cash lump sum, a regular income, or both, to use as you wish.
We will:

• Meet with you to discuss your reasons for selecting Equity Release and advise on the best approach to meet your needs
• Analyse the impact of Equity Release on means tested benefits
• Provide technical advice on the best scheme for your individual circumstances
• Liaise (with your agreement) with other family members and professional contacts such as accountants and solicitors
• Complete a report with our specific recommendations outlining the key points you need to consider and all charges associated with the solution
• Follow-up with you to answer any further questions and complete the necessary paperwork

Safe Home Income Plans (SHIP)
The SHIP Code of Conduct provides firms with strict criteria that need to be met in order to become a member. The criteria includes; allowing customers to remain in their own property for life, the right to move their plan to another suitable property and a no negative equity guarantee.

Sound advice based on over 40 years banking and financial services experience
Our Practitioner Directors have collectively over 40 years experience of financial services and hold the specialist qualifications to offer advice on Equity Release schemes. We will only ever recommend products that carry the SHIP endorsement.
We are highly qualified and fully approved by the stringent regulatory bodies in the industry. You can always count on us to provide you with the most up to date information that's just right for your situation.