How we help you

Your equity release journey

Releasing the cash from your home is a big financial decision – our main role is to make sure it’s the right one for you. From answering your questions, to giving you personalised advice and recommending the right plan, through to your cash being released, we’re with you every step of the way.

Inviting your loved ones to your appointments gives them the chance to understand equity release and ask any questions they may have. We always recommend getting them involved but if you’d rather not include anyone else, we’ll always respect your decision.

Step 1: Fact find adviser call
During your first, no-obligation fact find call, your adviser will talk you through the ins and outs of equity release and answer any questions you may have. This will include discussing your alternatives and making sure they fully understand your current financial situation and future goals.

Step 2: Your personalised recommendation
After speaking with you, if we don’t think equity release is right for you, we’ll tell you. But if both you and your adviser agree that it is, we’ll search hundreds of plans from the whole market to find the best plan for you. This personalised recommendation will be posted out to you for you to read at your leisure.

Step 3: Advice call
Your adviser will arrange a convenient time to talk you through your recommended plan. It will include the amount you could release, the plan’s features and benefits, interest rates and its terms and conditions. They’ll also answer any questions you might have.

Step 4: Your application
After speaking to us, if you’re then happy to go ahead, your adviser will submit the paperwork to the lender on your behalf. Your chosen solicitor will be instructed, and your property will be valued.

Step 5: Your offer and legalities
Following your valuation you will receive an offer from the lender. After that is signed it’s just a case of letting the solicitors do all of the legalities and getting your completion date. They will also arrange any fees to be paid and if you are paying an existing mortgage off this will be done in the same transaction too.

Step 6: Your cash arrives in your bank
Your adviser is on hand throughout this whole process.

It’s important you know

Throughout your equity release journey your dedicated adviser will be with you every step of the way. They will help you to decide if it’s right for you, without obligation and without it costing you a penny.

Should you decide to go ahead we offer UK whole of market advice which we charge a fee of £1,695 for, payable only on completion.

If you are considering equity release we recommend that you read through ‘Things to think about‘. Equity release will reduce the value of your estate and may affect your entitlement to means-tested benefits.