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Later Life

Enjoy more financial freedom with Equity Release

Our free equity release calculator will show if you could be eligible for equity release and let you know how much you may be able to release

Equity Release calculator

Lending in later life

Here at Your Expert Mortgage Later Life, we’re here to help you decide if equity release could improve your retirement finances. 

We’ll explain the ins and outs of equity release and answer any questions you have, so you can feel confident that any decision you make is the right one for you and your circumstances. We’re here to make sure you have all the facts and understand your options before you decide to go ahead. 

We’ll always do what’s best for you, whether that’s taking advantage of some of your property’s value through equity release or not. Your Expert Mortgage Later Life offer lifetime mortgage products from a carefully selected panel of providers. 

What is Equity Release?

The value of your home, minus any outstanding mortgage and any other loans secured against it, is the equity you have in your property. This equity is often passed on as an inheritance, however an increasing number of people are tapping into some of this wealth to help boost their retirement finances.  
After years of working hard to make monthly repayments, your home is likely to be your biggest asset, particularly if you have benefited from an increase in house prices over the last few decades. Tens of thousands of people are already enjoying the benefits of unlocking some of the cash from their home. It’s not suitable for everyone, which is why it’s important to get expert equity release advice before you make a decision. 

Because we play by the book we want to tell you

We understand equity release isn’t for everyone, and we’ll never say it’s the right option for you unless we’re certain. A lifetime mortgage is a loan secured against your property.  With a lifetime mortgage there are typically no monthly repayments to make as the loan, plus roll up interest, is repaid when the plan comes to an end.  Usually, that’s when you, or the last remaining applicant, either passes away or moves into long-term care. With a lifetime mortgage you’ll still retain full ownership of your home.   
 Equity release will reduce the value of your estate and may affect your entitlement to means tested benefits. 

Unless you decide to go ahead, our service is completely free of charge, as our fixed advice fee of £1,295 would only be payable on completion of a plan.

Because we play by the book we want to tell you that…

Your home may be repossessed if you do not keep up repayments on your mortgage.

There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.

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