Impartial equity release advisers in Buckinghamshire, UK
Enjoy a retirement to remember in Buckinghamshire with equity release. Here at Access Equity Release, our specialist advisers are ready to get to know you and your needs, so they can offer expert, independent advice that is tailored to your individual circumstances. Our friendly and trusted service is always focused on getting the right outcome for you.
Owning a home will have taken a lifetime to achieve, so it is essential that we give you the attention this decision deserves. Equity release enables homeowners to raise capital from their homes and there are different ways of achieving this. These schemes can be called lifetime mortgages and home reversion schemes and the most popular type of plan is a lifetime mortgage.
A lifetime mortgage allows you to take out a loan, secured against your home. You can receive the money either in one lump sum or use a drawdown facility. The interest can be allowed to roll up and added to the cost of the loan or it can be paid monthly, as you prefer. The loan is then repaid after your property has been sold when you die or go into long term care.
We are regulated by the Financial Conduct Authority (FCA). We were awarded the ‘Best Equity Release Adviser 2019’ by Moneyfacts last year and are proud of our reputation for excellence.
Find out more about over-55 home loans, please ring us now on 0333 000 2097.
Access lifetime mortgages in Buckinghamshire
A lifetime mortgage, which is sometimes called a retirement mortgage, is the most popular type of equity release. The amount you can borrow will depend on factors such as your age and the value of your property. Use our equity release calculator to see how much money you could release from your property.
The advantages of lifetime mortgages include:
- a great deal of flexibility and there are many different products, all of which have different features.
- With all lifetime mortgage, your property remains your own.
- There are many safeguards built into plans to protect consumers All the plans that we recommend always have a no equity release guarantee, which means the amount you owe will never be more than the value of the property.
- You will not have to make monthly interest repayments, unless you want to.
- All cash is tax-free and you can use it as you wish.
Thinking about releasing equity in Buckinghamshire? A property market overview
If you are considering releasing equity in Buckinghamshire, you may wish to know more about how your property may have increased in value over the years. As far as investments go; property has always been one of the favourite and safest ways to save money and Buckinghamshire has long been considered a very desirable place to be. With stunning scenery, countless historic landmarks, close commuting connections to London, there are countless reasons why it so popular.
According to Rightmove, in 2020 properties in the county fetched an overall average price of £424,000. The majority of sales were detached homes, selling for an average price of just over £620,000, with semi-detached homes selling for £359,000. According to Zoopla, the most expensive area to live are around the Chilterns. This includes Beaconsfield and Chalfont St Giles (with average property prices of over £1million), Gerrard’s Cross (with an average property price of £979,000), Great Missenden (with an average property price of £759,00), and Amersham (with an average property price of £739,00). During the Covid-19 pandemic, many people looked to move out of London to Bucks for more space and countryside on the doorstep, pushing the property prices up further.
If you are thinking about equity release or have questions about whether it could be right for you, we can visit your Buckinghamshire property and tell you more about the process and discuss your individual circumstances. There is no obligation to proceed and this meeting is always completely free of charge.