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.
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, often known as a lifetime mortgage, allows homeowners to unlock tax-free money from their property while continuing to live there. This can be done by borrowing against the value of your home or selling a portion of it in exchange for a lump sum or regular payments. Many plans also offer the flexibility to access additional funds later on.
To be eligible, you must be at least 55 years old and own your home outright or with a mortgage (which will need to be cleared using the released funds).Yes, it is. As a fully regulated mortgage broker, we are authorised by the Financial Conduct Authority (FCA), ensuring that you receive clear, professional, and ethical advice.
If you choose a lifetime mortgage, you’ll never owe more than the value of your home when it’s sold, provided it is sold at the best available market price. This means your estate won’t be left with any extra debt.The money is yours to use however you wish. Many people put it towards home improvements, pay off existing debts, help family members financially, or simply enjoy a more comfortable retirement.
Here are a few of the most common reasons people choose equity release.
Repaying
University or weddings
At Equity Release and Mortgage Partnership Cheltenham, we specialise in helping homeowners navigate mortgage and equity release options with confidence. With extensive industry experience, we provide straightforward, jargon-free advice tailored to your specific situation.
We understand that making financial decisions, especially later in life, can feel overwhelming. That’s why we focus on offering guidance that is easy to understand, transparent, and suited to your long-term goals. Our team is committed to ensuring you feel comfortable and in control every step of the way.
Unlike some brokers, we take a personal approach. We listen to your needs, explain your options clearly, and help you make the best choice for your future. There’s no pressure, no confusing terminology, just honest, advice designed to benefit you.
Financial security is important, and we’re here to help you achieve it in a way that works for you.
Here’s what to expect when you work with us for equity release, if you live in Cheltenham.
You get in touch for a no-obligation chat, either over the phone or face to face. Your adviser will explain how equity release works, answer initial questions, and check whether it could be suitable.
If equity release looks appropriate, your adviser will carry out a full assessment of your circumstances and recommend a plan tailored to your needs.
Your chosen lender will arrange an independent valuation of your home. This confirms the property value and the final amount you can release.
You’ll receive independent legal advice from a solicitor of your choice. They’ll explain everything in plain English and handle the legal side before completion.
Once everything is approved, your equity is released to you as a lump sum, smaller amounts, or a mix of both. You remain the owner of your home for life, with no mandatory monthly repayments.
You’re supported at every stage, and you’re free to stop the process at any time.
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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