Common Equity Release questions.

Common Equity Release questions.

Please contact us with your Equity Release query

Please contact us with your Equity Release query

Simply enter your details below for us to help you.

By submitting  information through this website, you have given your agreement to receive verbal contact from us to discuss your Equity Release requirements. You voluntarily choose to provide personal details to us via this website. 

Personal information will be treated as confidential by us and held in accordance with the Data Protection Act 2018.  You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone.

Simply enter your details below for us to help you.

By submitting  information through this website, you have given your agreement to receive verbal contact from us to discuss your Equity Release requirements. You voluntarily choose to provide personal details to us via this website. 

Personal information will be treated as confidential by us and held in accordance with the Data Protection Act 2018.  You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone.

By submitting this data, I am consenting to the use of my data in line with our  Privacy Policy

By submitting this data, I am consenting to the use of my data in line with our  Privacy Policy

Why should I take out an Equity Release Mortgage? 

Why should I take out an Equity Release Mortgage? 

Equity Release mortgages allow you to release capital that is tied up in your home. The money released can be used to supplement your pension income or to spend how you wish.

Equity Release mortgages allow you to release capital that is tied up in your home. The money released can be used to supplement your pension income or to spend how you wish.

What is the interest rate on Equity Release?

What is the interest rate on Equity Release?

 Interest rates will vary from provider to provider. They are affected by the loan to value of the property and the amount borrowed. Our advisers will explain the range of products to you. 

 Interest rates will vary from provider to provider. They are affected by the loan to value of the property and the amount borrowed. Our advisers will explain the range of products to you. 

Can I sell my house if I have Equity Release?

Can I sell my house if I have Equity Release?

Typically, Equity Release plans will allow you to move your mortgage to a new property if you decide to sell your house. However, this might trigger an early repayment charge. Please call us to discuss this further.

Typically, Equity Release plans will allow you to move your mortgage to a new property if you decide to sell your house. However, this might trigger an early repayment charge. Please call us to discuss this further.

Is Equity Release safe?

Is Equity Release safe?

All Equity Release products are safe as they are regulated by the Financial Conduct Authority (FCA) and governed by the Equity Release Council (ERC). With Lifetime Mortgages, you always own your home, and an increase in its value is yours. Furthermore, all Equity Release mortgages have a "No Negative Equity Guarantee".

All Equity Release products are safe as they are regulated by the Financial Conduct Authority (FCA) and governed by the Equity Release Council (ERC). With Lifetime Mortgages, you always own your home, and an increase in its value is yours. Furthermore, all Equity Release mortgages have a "No Negative Equity Guarantee".

What can I use the money for?

What can I use the money for?

The money can be used for a variety of purposes. For example, helping your children, home improvements, holidays are simply to supplement your income.

The money can be used for a variety of purposes. For example, helping your children, home improvements, holidays are simply to supplement your income.

The Equity Release Process

The Equity Release Process

Working with HB Partners

Working with HB Partners

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An informal introductory conversation 

An informal introductory conversation 

Your mortgage adviser will ask exploratory questions to gain an understanding of your situation. Following this, you will be shown the options available to you. Such as "How much can I borrow?"

Your mortgage adviser will ask exploratory questions to gain an understanding of your situation. Following this, you will be shown the options available to you. Such as "How much can I borrow?"

Now that we know your circumstances, we will look for the most appropriate Equity Release product to meet your needs.

Now that we know your circumstances, we will look for the most appropriate Equity Release product to meet your needs.

Our Expert Recommendation

Our Expert Recommendation

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Discover the right Equity Release mortgage for you

Discover the right Equity Release mortgage for you

Our mortgage experts will take you through the options and will be on hand to answer any questions that you might have. We also believe it is important to include your family in this process. 

Our mortgage experts will take you through the options and will be on hand to answer any questions that you might have. We also believe it is important to include your family in this process. 

Once you are all comfortable with our recommendation, we will submit the application on your behalf. We manage all stages of the process and keep you updated all the way through to completion.

Once you are all comfortable with our recommendation, we will submit the application on your behalf. We manage all stages of the process and keep you updated all the way through to completion.

Full application

Full application

The choice in the Equity Release market can be confusing with so many providers to choose from. Your adviser will take the confusion out of Equity Release and present the options clearly and simply, allowing you to make sense of the products available. 

The choice in the Equity Release market can be confusing with so many providers to choose from. Your adviser will take the confusion out of Equity Release and present the options clearly and simply, allowing you to make sense of the products available. 

What is 3 + 5 =

What is 3 + 5 =

Meet our Advisers

Meet our Advisers

WHAT IS EQUITY RELEASE?

WHAT IS EQUITY RELEASE?

Equity Release refers to a range of products that allows people over the age of 55 to access equity tied up in their home.

Equity Release refers to a range of products that allows people over the age of 55 to access equity tied up in their home.

IS RELEASING EQUITY A GOOD IDEA? 

IS RELEASING EQUITY A GOOD IDEA? 

Equity Release is a good idea if you are looking to unlock tax-free cash tied up in your home. This can be achieved without the need to make monthly repayments.

Equity Release is a good idea if you are looking to unlock tax-free cash tied up in your home. This can be achieved without the need to make monthly repayments.

HOW OLD DO I HAVE TO BE TO APPLY FOR AN EQUITY RELEASE MORTGAGE?

HOW OLD DO I HAVE TO BE TO APPLY FOR AN EQUITY RELEASE MORTGAGE?

Most Equity Release providers require all named applicants to be a minimum age of 55.

Most Equity Release providers require all named applicants to be a minimum age of 55.

HOW MUCH MONEY CAN I HAVE WITH EQUITY RELEASE??

HOW MUCH MONEY CAN I HAVE WITH EQUITY RELEASE??

This will depend upon your circumstances, and is determined by your age and the value of your property.

This will depend upon your circumstances, and is determined by your age and the value of your property.

Frequently Asked Questions

Frequently Asked Questions

We're always ready to help. Ask us anything

We're always ready to help. Ask us anything

If you have a specific question, click the button below, and we will do our best to answer this for you.

If you have a specific question, click the button below, and we will do our best to answer this for you.

This is a lifetime mortgage. To understand the features and risks, ask for a personalised illustration.

Check that this mortgage will meet your needs if you want to move or sell your home or you want your family to inherit it. If you are in any doubt, seek independent advice

An equity release plan will reduce the value of your estate, will not be suitable for everyone and may affect your entitlement to state benefit.

This is a lifetime mortgage. To understand the features and risks, ask for a personalised illustration.

Check that this mortgage will meet your needs if you want to move or sell your home or you want your family to inherit it. If you are in any doubt, seek independent advice

An equity release plan will reduce the value of your estate, will not be suitable for everyone and may affect your entitlement to state benefit.

Why use us?

Why use us?

We provide expert professional advice to homeowners and first time buyers on mortgages, remortgages and buy to lets.

We provide expert professional advice to homeowners and first time buyers on mortgages, remortgages and buy to lets.

We have over 25 years' experience in the mortgage industry, offering a wealth of knowledge and the highest standards of professionalism. 

We have over 25 years' experience in the mortgage industry, offering a wealth of knowledge and the highest standards of professionalism. 

We are qualified to advise you on your equity release requirements.

We are qualified to advise you on your equity release requirements.

We don’t sell. We listen objectively and identify financial risks which allow us to put in place the best insurance policy available.

We don’t sell. We listen objectively and identify financial risks which allow us to put in place the best insurance policy available.

Where necessary, we have direct access to senior underwriters in some of the biggest insurance providers in the UK.

Where necessary, we have direct access to senior underwriters in some of the biggest insurance providers in the UK.

We have access to technical insurance portals to analyse the best providers and policies across the whole of the market.

We have access to technical insurance portals to analyse the best providers and policies across the whole of the market.

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

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

Home > Mortgage > Equity Release

Home > Mortgage > Equity Release

What our clients say

What our clients say

Mark Culham 

Adviser & Co-Founder

Mark Culham 

Adviser & Co-Founder

Steve Jascourt

Adviser & Co-Founder

Steve Jascourt

Adviser & Co-Founder

"I get satisfaction about having ‘real’ conversations with people about why having the right cover in place is so important. I also take a lot of comfort from knowing that our clients are covered should the worst happen."

"I get satisfaction about having ‘real’ conversations with people about why having the right cover in place is so important. I also take a lot of comfort from knowing that our clients are covered should the worst happen."

“Arranging mortgages for my clients impacts positively on their lives, and gives me immense job satisfaction. When a client returns for repeat business, or refers family and friends to me, I know that I have done a great job.”

“Arranging mortgages for my clients impacts positively on their lives, and gives me immense job satisfaction. When a client returns for repeat business, or refers family and friends to me, I know that I have done a great job.”

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