Qualified equity release experts in Clapham, London

Are you looking for an independent equity release adviser in Clapham, Stockwell, or Brixton? Are you wondering if equity release or later-life mortgages might benefit you? Access Equity Release is an equity release company you can trust. Authorised by the FCA and members of the Equity Release Council, we aim to uphold the highest and most ethical and transparent standards so we can help find the right financial products for your unique circumstances.

As it continues to grow in popularity, many more homeowners are asking, ‘What is equity release?’ and, ‘Why should I consider equity release?’ Equity release is a type of financial product that allows homeowners, over the age of 55 to unlock part of the value of their home. There are many different financial products available, that broadly fall under two categories: Lifetime mortgages and home reversion schemes. As independent and trusted specialists, Access Equity Release can access the whole of the equity release market and we can help to find the right equity release product for you.

Would you like to have a chat with someone from our award-winning equity release company? Please ring now on 0333 000 2097 and we can book a no-obligation consultation.

Are you thinking about equity release or later-life mortgages in Clapham?

If you are thinking about equity release, it is important that you seek the help and advice of a qualified adviser to ensure that it is the right option for you. It is not necessarily the best choice for everyone and we can also advise you about other options and have access to residential mortgages and retirement interest-only mortgages. We want to make the process as simple and enjoyable as possible so we can help you make an informed decision about your future.

As members of the Equity Release Council, we will only recommend products with a ‘no negative equity guarantee’ which ensures that you can never owe more than the value of your home, so even if house prices go down, you will never lose out.

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Properties in Clapham: Why release equity?

Do you own our own home in Clapham, Stockwell, or Battersea? Are you thinking about a retirement mortgage or over 55 home loan? These parts of London have seen huge development and gentrification over many years, which has sent house prices rocketing. Clapham has evolved over many years due to its popularity and has won many surveys for being the best place to live in London. With a village-like atmosphere and plenty for families and singles, it has something for everyone; plenty of eating and drinking options, lots of green space, and quick and easy transport links.

Figures on Rightmove in 2020 state that the average house price in Clapham was £898,000. The majority of property sales were flats that sold for an average of just over £605,000. Terraced homes fetched £1.3million and semi-detached homes made an average of £1,419,000. In 2020, prices were up a huge 13 per cent on 2019 and 10 per cent on the peak of 2018. Some of the most expensive streets include Liston Road, Wardell Mews, Turnchapel Mews, Belmont Road, and Porteus Place.

Discover how much tax-free cash you could raise by using our equity release calculator.

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Unlock cash in Clapham with lifetime mortgages

Lifetime mortgages are the most popular type of equity release product in Clapham. Lifetime mortgages allow homeowners over the age of 55 to release tax-free funds, tied up in the value of their home. This can be accessed in two ways – either as a lump sum or following an initial release, in smaller amounts of money. This is known as a ‘drawdown’ lifetime mortgage; you can choose a product that works the best for you.

A lifetime mortgage is a loan secured against your property, which is typically repaid when you or the last surviving partner enters long-term care or passes away. You will retain full ownership of your house and there are typically no monthly repayments to make. The loan plus all interest is rolled up and repaid when the plan comes to an end. There are products available that allow you to repay the interest to reduce the size of the loan if you prefer.

If a lifetime mortgage is something you would like to explore, our advisers can talk you through the different options, so you can make an informed choice. Read our blog on the alternatives to equity release.

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    Why equity release in SW4?

    Here at Access Equity Release, we like to offer a personal service, where we take time to get to know you and your individual circumstances. We can visit you at home in Clapham or can meet over a video call or chat on the phone – whatever you feel most comfortable with. We can access the very latest products and conduct up-to-date research.

    Many people take out an equity release mortgage for similar reasons. These include:

    • To make home and garden improvements
    • To go on holiday
    • To pay off debts, such as loans and credit cards
    • To help or treat family or friends
    • To clear an outstanding mortgage
    • To help with regular bills
    • To pay for care at home or private medical costs