Top equity release brokers in Aylesbury, Buckinghamshire

Here at Access Equity Release, we can help you choose an equity release plan that is right for you, leaving you to enjoy your retirement. Working in Aylesbury, Stoke Mandeville, Bierton, or the surrounding areas of Buckinghamshire, our equity release advisers are friendly, independent, and professional. As members of the Equity Release Council, we follow strict guidelines to protect home-owners interests.

What is equity release? Equity release refers to a range of products that allow you to access the equity tied up in your home if you are over the age of 55. You can take the money as a tax-free lump sum, or receive it in several smaller amounts. You do not need to have paid off your mortgage fully in order to be eligible for equity release.

Releasing equity from your home is a very important decision and has many benefits as well as some drawbacks and it is important to receive impartial advice from advisors who will act in your best interests. We have access to the whole of the market, so we can choose the right products for your circumstances.  We are;

  • Members of the Equity Release Council
  • Independent and impartial equity release brokers
  • We will never bamboozle you with technical jargon
  • High standards and an award-winning team
  • Transparent and open appointments – we encourage the family to be involved
  • Equity release specialists – this is what we do!

If you are thinking about retirement mortgages or over 55 home loans, please call now on 0333 000 2097.

Types of equity release in Stoke Mandeville

Broadly, there are two equity release options in Stoke Mandeville, Aylesbury, or Stone – lifetime mortgages and home reversion plans. The most common form is a lifetime mortgage, which is redeemed at the end of your life.

With a lifetime mortgage, you take out a mortgage secured on your property provided it is your main residence, whilst retaining ownership. If you wish some of the value of the property can be ringfenced for inheritance purposes. The loan amount and any interest that has accrued is paid back when you pass away or move into long-term care.

There are several differences between lifetime mortgages and residential mortgages. These include:

  • Term of loan: With a lifetime mortgage, there is no fixed duration, whereas residential mortgages are normally fixed for a certain amount of time.
  • Monthly repayments: Unlike a residential mortgage, there are no monthly repayments required unless of course you wish to
  • Interest rates: Lifetime mortgages have a fixed interest rate throughout the term, whereas residential mortgages have a variety of options, including fixed and variable terms.
  • Interest charges: With a lifetime mortgage, interest can ‘rolled up’, meaning there is no need to make monthly payments unless you wish to
  • Affordability: There are no affordability checks with a lifetime mortgage.
explainer video thumb - Local equity release advisers in Aylesbury
explainer video thumb - Local equity release advisers in Aylesbury

Why choose equity release or HP17 retirement mortgages

Releasing equity from your home in Aylesbury is an important decision. We are completely independent, so have access to all equity release providers. Here are just a few ways that people choose to use their equity release funds:

  • Repaying a mortgage or settling other outstanding debts
  • Home improvements, such as installing a new kitchen
  • To go on a once-in-a-lifetime holiday or travel more
  • To have more money for day-to-day living costs
  • Helping family members, such as helping first-time buyers get onto the property ladder
  • Private medical care

How much could you borrow? Our equity release calculator will help you work out how much money you could access through equity release.

Try our easy-to-use calculator

Qualified Aylesbury equity release brokers: We offer a personal service

Here at Access Equity Release, we offer clients in Aylesbury a personal service. We always take our time in getting to know you in order to understand your personal circumstances and will look at your wider financial situation.

We focus on this one area and being good it at We aim to give you all the information that you need, so you can feel confident that you are making the right decisions for you. The time it takes to apply for equity release will vary. Read our blog: How long does it take to release equity?

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    Here are some answers to the most frequently asked questions about equity release.

    With a lifetime mortgage – the most popular type of equity release plan – you will always remain the owner of your property. A lifetime mortgage is a loan secured against your home.

    To be eligible for equity release you must fall into a handful of criteria. These include: You must be over 55; you must be a homeowner and own property in the UK; and your property must be worth a minimum of £70,000. The minimum age and property value will vary between product providers.

    Yes, an interest-only lifetime mortgage allows you to make monthly repayments. As long as you keep up with these payments, the amount you owe will never increase. Unlike conventional mortgages, the interest rate for lifetime mortgages can be fixed for life.

    Releasing equity from your home will not affect your state pension, but could affect other means-tested benefits that you may receive in retirement, including pension credits, council tax benefits, and savings credit.

    Equity release is based on your property and age and as long as you meet the eligibility criteria, your credit history will not affect your ability to take out an equity release plan.

    No, not if you do not want to. With a lifetime mortgage, there are typically no monthly repayments to make as the loan, plus rolled-up interest, is repaid when the plan comes to an end.  This is usually when the mortgage holder passes away or moves in to full time care.  If there are two mortgage holders then this happens when both have passed away of moved into care.

    Speak to one of our friendly team
    Call our equity release team on 0333 443 9825

    Get in touch with our Aylesbury equity release company

    Thinking about a later life mortgage in Aylesbury? Call 0333 000 2097 or email the team at info@accessequityrelease.com

    Appointments available in :-

    Bierton, Aylesbury Vale, Stone, Hulcott, Weedon, Hardwick, Stoke Mandeville, Weston Turville, Dinton, Halton & Puttenham

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    If you would like to know more about equity release then please get in touch.

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