Our primary role is to offer advice on whether equity release is right for you. Like we’ve done for more than 1 million others, we’ll take the time to understand your unique situation and provide a recommendation based on what’s most suitable for you.
During your first, no-obligation appointment with us, which can be either face-to-face or over the phone – whichever you prefer – one of our local expert equity release advisers will talk you through all your options. They’ll explain the ins and outs of equity release and answer any questions you may have.
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, following your first appointment, we’ll begin searching the whole of the market on your behalf to find you the most suitable equity release plan.
For added peace of mind, we recommend Equity Release Council approved plans. They include the no negative equity guarantee, which means you’ll never owe more than your home’s worth and your beneficiaries will not face any debt passed on by equity release.
During your second appointment, our expert adviser will present and 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.
We recommend inviting your family and friends to your appointments. It gives them the chance to understand equity release and ask any questions they may have. Of course, if you’d rather not include anyone else, we’ll always respect your decision.
After speaking to us, if you’re then happy to go ahead, your Key adviser will submit the paperwork on your behalf. That’s where the lender comes in.