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    9:00am - 5:30pm

  • Saturday

    9:00am - 5:00pm

  • Sunday

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4 Midgery Court, Fulwood,

Preston, PR2 9ZH

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 Home
Equity release
Your journey

Your equity release journey starts here

Before deciding to take out equity release, it’s crucial you seek independent, expert advice. Which is why, if you’re considering unlocking tax-free cash from your home, we can guide you every step of the way.
 

Get started online

Before speaking to us, you can use our website to find out more about equity release and see how much cash you could release from your home.

This is what the typical equity release journey looks like

1. Speak to an expert

When you first contact us, one of our specialists can answer any initial questions you might have over the phone. Then, when you’re happy, they’ll arrange an appointment for you with one of our expert, independent equity release advisers; this can be in person or over the phone, whichever suits you best.

2. Talk to your family

We encourage discussing equity release with your family so they can be part of every step, offering peace of mind for everyone involved. We’re happy to welcome them to your appointments and will answer questions they may have . If you’d rather not involve others, we'll always respect your decision.

3. First appointment

Your first appointment gives you the chance to find out more about equity release. It's where your equity release adviser will get to know you, your situation and needs. During this appointment, if your expert adviser believes equity release isn't right for you, they'll tell you there and then.

4. Finding the right plan

After your first appointment, if you then decide to go ahead, your adviser will organise a convenient time for your second appointment. In the meantime, they'll compare the whole market to find the most suitable plan for you.

5. Second appointment

Here your adviser will present their recommendation and answer any further questions you might have. They'll also provide a personalised illustration to highlight the pros and cons of the recommended plan, including how much you can release, the interest rates and its terms and conditions.

6. Starting the paperwork

If you’re then happy to proceed, your paperwork will be submitted to the plan provider and your property will be valued by an independent surveyor.

7. Offer issued

After the paperwork has been reviewed and completed by the plan provider, and it meets their criteria, they'll then issue an offer. This will include all the terms and conditions of your plan for you to approve.

8. Legalities

Once you’re happy with everything, an independent solicitor acting on your behalf will cover the legal aspects.

9. Complete in 8-12 weeks

After the legalities have been taken care of, the application will be sent to the plan provider. Although we can never guarantee timescales, eight to twelve weeks is typically how long it takes from application to completion.

10. Money released

Finally, the moment you’ve been waiting for. It’s now time to put your tax-free cash to use.

Arrange advice today

Now you’ve seen how simple it is, you could start your own journey. Book your free, no-obligation home visit or phone call with the Equity Release Adviser of the Year 2018 as voted by Moneyfacts.

Book now

More on equity release

Free guide

Claim your free guide to get the facts on equity release and see how it all works

Claim now

Free calculator

Use our free equity release calculator to see how much you could release

Start now

Is it right for me?

Find out all of the necessary facts and information to see if it's right for you.

Learn more

Switch plans

See if you could get a better rate or release more money by switching plans

Learn more

Things to consider

When comparing the whole equity release market, our independent specialist advisers will explain:

  • You have to get advice before releasing equity. Please read all our information and make sure it's right for you
  • The plans we recommend have a no negative equity guarantee, so you’ll never owe more than your home’s value
  • Equity release reduces your estate's value and may affect any means-tested benefits you're eligible for
  • The initial consultation is free with no obligation and if you proceed with an equity release plan our advice fee, usually 1.99% of the amount released (£1,499 minimum), payable on completion
  • A lifetime mortgage, which is a loan secured against your home, is the most popular form of equity release and you will still own your home