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Equity Release

Equity Release mortgage is a lifetime mortgage or home reversion scheme. To understand the features and risks ask for a personalised illustration.

An lifetime mortgage allows you to release cash from your home, while retaining the right to live in it for the rest of your life. With a lifetime mortgage equity release plan, you can help fund your retirement and still keep your home.

If you are affected by increasing household bills, want to be able to make those essential home improvements or looking at topping up your income to make retirement more comfortable and enjoyable, an equity release plan could be right for you.

Release money when you need it (subject to limits and restrictions) and there’s no requirement to repay until either your home is sold, you pass away or move into long-term care. If you do want to make repayments then some lenders allow this, speak to us for details.

Do You Qualify?

Are you and your partner 55 or over?

Is your property worth at least £70,000?

Are you able to settle any outstanding loan secured on the property from the funds you release?

We provide specialist advice to clients in the ever-expanding market of Equity Release and will look into all your options and only recommend an equity release scheme that is suitable for you.

There may be a fee for researching and mortgage advice, typically 1.5% of the loan amount, with a minimum fee of £995.00. The precise amount will depend upon your circumstances.

No fee for Life Assurance, Critical Illness, Income Protection, Accident Sickness & Unemployment, Home Insurance, and Private Medical Insurance. We will be paid by commission from the company.

A fee of £495.00 £995.00 payable on completion. We will also be paid by commission from the lender. A fee of £250.00 will be payable if you decide not to proceed after the lender has made an official offer.

The Mortgage Factory is a trading name of Mortgage Factory UK Ltd , which is an appointed representative of Intrinsic Mortgage Planning Limited and Intrinsic Financial Planning Limited who are authorised and regulated by the Financial Conduct Authority (see the FCA register at www.fca.gov.uk/register/, references 440718 and 440703). Your home may be repossessed if you do not keep up repayments on your mortgage.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.