Want to know more about equity release?
Watch our two-minute video that will explain how equity release could work for you.
Would you like to know more, call us on 0800 999 3339 or book a call back.
Richard has been voted ‘mortgage adviser of the year’ and won numerous industry awards.
Tom is an accredited later life Lending professional with The London Institute of Banking & Finance.
See how much you could release with our simple lifetime mortgage calculator.
Equity release is a way for homeowners aged 55 and over to unlock tax-free cash from their property without having to move. It works by either borrowing against the value of your home or selling a share of it in exchange for a lump sum or regular payments. Many plans also offer the flexibility to access more funds later if needed. If you still have a mortgage, the balance must be repaid using the equity release funds, but the rest is yours to spend as you wish.
Releasing equity from your home is a regulated process, ensuring strong protections for homeowners. With a lifetime mortgage, you’ll never owe more than your home’s value when it’s sold, as long as it’s sold at a fair market price. This means you or your loved ones won’t be left with unexpected debt. Equity release advisers are required to follow strict guidelines, ensuring you get clear, professional advice before making any decisions.
The money is yours to spend however you like. Whether you want to renovate your home, help family financially, clear debts, or simply boost your retirement income, equity release gives you the freedom to make the most of your money.
Here are a few of the most common reasons people choose equity release.
Repaying
University or weddings At Equity Release and Mortgage Partnership South Ayrshire, we believe that financial decisions should be simple, stress-free, and tailored to your needs. With years of experience in the mortgage and equity release industry, we specialise in helping homeowners unlock the value in their homes while ensuring they make informed choices that suit their long-term goals.
Our expert advisers are here to guide you every step of the way, from understanding how equity release works to finding the right plan for your individual circumstances. Whether you're looking to supplement your retirement income, pay off debts, or help family members financially, we take the time to listen and provide clear, straightforward advice without jargon or pressure.
We also make the process as smooth and hassle-free as possible. From the initial consultation to finalising your equity release plan, we handle the paperwork and liaise with lenders, making sure everything is taken care of efficiently. You can speak with us over the phone or arrange a time that works best for you, including evenings and weekends.
Choosing the right equity release plan is a big decision, and we’re here to make sure you have all the support and information you need. Our commitment is to provide expert advice, a personal touch, and a straightforward service that helps you achieve a more secure and comfortable financial future.
Want to know more? Get in touch today for a friendly, no-obligation chat.
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY DEBT SECURED ON IT.
Equity Release and Mortgage Partnership Ltd is directly authorised and regulated by the Financial Conduct Authority (FCA) and is entered on the financial services register http://register.fca.org.uk under reference 986900. Privacy Notice. Update cookies preferences
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