Instant Equity
Release Quote

see how much cash you could release*

Instant Equity
Purchase Quote

see up to what value you could go house hunting with*

Request
A Call Back

a qualified independent adviser will call you at your convenience

*We will need to ask some additional questions to be able to give you an accurate figure of the maximum you will be able to release.

How Our Service Works

Discuss Equity Release with one of our experts

We discuss your situation & find the best solution

Search the Market for Equity Release with one of our experts

We search the whole market to find you the best rates

Access your funds with Equity Release

You get quick access to funds tied up in your property

Enjoy your retirement with Equity Release

Enjoy your retirement & book that dream holiday

Equity Release Quotation - Get More From Your Retirement

For many people, the biggest asset that anyone will own is their home. It is also true that although many people may have not always planned well enough for their retirement, they have usually paid off their mortgage.

You, like many people have probably seen a significant growth in the value of your home. For many, despite some help from the government, people are just not having the retirement that they deserve.

Couple enjoying their retirement thanks to Equity Release

You could change all that.

Protected by the Equity Release Council, what are known as ‘Lifetime Mortgages’ or Equity Release Loans’ now allow people who are at least 55 years young to borrow against the value of their property. The amount depends on various factors including what the providers offer is, the age of the applicant, the value of the home and obviously, whether there is still a mortgage left on the property.

For most Lifetime Mortgages there is:

We offer completely independent advice and everything is explained simply step by step

Terms and Conditions

Our charges are based on two considerations: the loan amount and the complexity of your individual circumstances. We will provide you with a free initial consultation and we will always explain what you will be charged before you decide to proceed with an application. As we offer a bespoke service our fees can vary. We charge an application fee of £395.00. This fee is only charged once your mortgage has been agreed in principle with the lender. Once your mortgage is completed we charge a broker fee of £995.00. If your circumstances are more complex, we may charge a higher fee. Our maximum fee is 1.5% of the loan value.

These fees apply to regulated mortgages. Certain mortgages, primarily most buy to let and commercial mortgages, are not regulated. Fees for non-regulated mortgages can vary depending on your requirements and circumstances.

Legal

Craig Spark is a Registered Individual with Richard James Partnership Ltd.

Richard James Partnership Ltd is authorised and regulated by the Financial Conduct Authority, FCA Number 301173. The Financial Conduct Authority does not regulate some investment mortgage contracts. Calls may be recorded for training and compliance purposes.

Richard James Partnership Ltd is a company registered in England, registration number 04427489, whose registered office is at 8 St. James’s Square, London, SW1Y 4JU.

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

This is a Lifetime mortgage or home reversion plan, to understand the features and risks, ask for a personalised illustration.

Under no circumstances should any of the information contained within this website be construed as "advice". You should seek professional advice in respect of your own circumstances.