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If you own your home with or without a mortgage, it may be possible to release equity from it. Equity release allows you to release money from your home as a tax-free lump sum, or a series of smaller sums taken out over a period.
Our objective is to help you through the equity release process and help you determine whether it is the right thing to do for you. Our qualified team of later life mortgage advisors in Liverpool will be with you every step of the way if you decide to move forward with this.
It’s important that we take an in-depth look at your current circumstances, your past experiences and your future plans. This will help us find the most appropriate product for you. We also want to make sure that you are protected at all times.
There are two equity release options for you to take: a lifetime mortgage (age 55+) and the home reversion plan (this involves selling a percentage of your home). This is a specialist subject and it should be done right; speak to an equity release mortgage advisor in Liverpool today.
If you are wanting to raise money to help grandchildren, repay existing mortgages or other debts, carry out home improvements or boost your retirement income to combat the increasing cost of living, we may be able to help!
A lifetime mortgage in Liverpool allows you to release a percentage of tax-free money from the value of your home. You will retain 100% ownership and you can stay in your home for the rest of your life.
Usually, your lifetime mortgage in Liverpool is repaid from the sale of your home after your death or going permanently into care (with two borrowers this applies to the last survivor).
In recent years, they have been a little more flexible with options to make voluntary payments, monthly interest payments and move your mortgage to another property.
For further mortgage advice in Liverpool including equity release and later life mortgages, get in touch with our fantastic team.
You can book your own free equity release appointment with an advisor today. All you have to do is pick your preferred date and time and book online!
When considering Equity Release as an option, there are several factors to bear in mind. To qualify, you must be at least 55 years old, and the amount you can withdraw from your home depends on your age and the property’s value.
For reliable mortgage advice in Liverpool concerning Equity Release, it is advisable to consult a Specialist in this field. Reach out to a Mortgage Broker in Liverpool, and we will provide open, honest assistance to address your needs.
To understand the features and risks, ask for a personalised illustration. Equity Release may come in the form of a lifetime mortgage or home reversion plan.
A lifetime mortgage may impact the value of your estate and it could affect your entitlement to current and future means tested benefits. The loan plus accrued interest will repayable upon death or moving into long term care.
A home reversion plan involves selling all or part of your home to a plan provider in exchange for a tax-free lump sum.
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The fee is up to 1% but a typical fee is £995.
You should always think carefully before securing a loan against your property.
A lifetime mortgage will reduce the value of your estate and may affect your entitlement to means tested benefits.
Clearing existing mortgage with a lifetime mortgage may result in higher cost of borrowing.
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When you schedule a free initial mortgage appointment with our laterlife mortgage advisor in Liverpool, we will engage in a thorough conversation regarding your objectives and strategies concerning inheritance.
While equity release and lifetime mortgages remain viable options, we consider them as last-resort solutions. Our belief is that there might exist a more suitable alternative tailored to your specific circumstances.
Knowing the significance of later life mortgages, we strongly encourage you to involve your family members or other trusted individuals in our discussions.
In the event that equity release is determined to be either suitable or unsuitable for your needs, our knowledgeable later life mortgage advisors in Liverpool will direct you to the appropriate services that can further assist you in devising your plans.
After your free initial appointment, your advisor will try and find the perfect product that matches your personal and financial situation.
With our guidance and support, you feel at ease during the whole mortgage process. We aim to be the best of the best!
We have over 20 years of experience as a mortgage broker in Liverpool, and have fully qualified and experienced lifetime mortgage advisors available to help you.
We will always try and overcome every mortgage hurdle that we are faced with, no matter how hard the situation is! We will always have your best interests at heart.
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Liverpoolmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Liverpoolmoneyman 2009–2026
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Liverpoolmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Liverpoolmoneyman 2009–2026
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