Recommended & independent equity release advisers in Hampstead, London

Access Equity Release provides specialist advice about equity release mortgages and other related products to homeowners in Hampstead, Belsize Park, Fortune Green, and the surrounding parts of London. If you wish to know more about how you can release equity from your property, so you can enjoy the finer things in life, such as holidays, home improvements, or simply having more money for day to day living costs during your retirement, then equity release and lifetime mortgages could provide you with the perfect solution.

Equity release is a specialist, highly regulated, and complex area, which is why it is essential to get help and advice from experts. At Access Equity Release, we are recommended and trusted equity release advisers who specialise in everything to do with equity release. We are a completely independent company and we have access to the whole of the equity release market, meaning that we can search across hundreds of different products, all with unique features, to find the right product for you.

For more information, please call us on 0333 000 2097.

Hampstead Equity Release Council members

We are also members of the Equity Release Council, which is a professional industry body designed to safeguard and protect consumers. This means we will only advise that you choose a product with a ‘no negative equity guarantee’. This means that you will never owe more than the value of your property and your beneficiaries will not be left with a debt.

People find the topic of equity release a daunting one, although, in the right circumstances, retirement mortgages can help form a part of your financial planning and security for years to come. Our FCA-authorised specialists are highly experienced and offer a personal service with responsible advice, so we can help you decide whether over-55 home loans or equity release is the right option for you. We are happy to meet to offer a free consultation in your Hampstead home, or if you prefer we can advise by video call or phone. We are committed to offering the highest standards of advice & service.

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Your Hampstead property: Why release equity in NW3?

How long have you owned your Hampstead home? Properties in Hampstead, Belsize Park, Highgate, and the surrounding areas have seen huge increases in value over the years, so if you own a home and are aged over 55, you could access some of that money. Equity release is not always the right option for everyone and we can recommend other products including retirement interest-only mortgages and residential mortgages.

Hampstead is well known for Hampstead Village, which has been a magnet for celebrities and musicians over the years, and the Heath, which borders the north and east sides. Best known for its elegant Georgian, Victorian, and Edwardian architecture, people love Hampstead for its village atmosphere and close proximity to Central London.

According to Rightmove in 2020, the average house price in Hampstead topped £1.5 million. Flats were the most popular sales and sold for an average of just over £1million, with terraced homes fetching £2.5million and detached homes fetching £5.3million. In 2020, prices were up 4 per cent on 2019 and 5 per cent on 2018.

Would you like to know how much you could release? Please check out our equity release calculator.

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Key features of lifetime mortgages in Hampstead

There are two main types of equity release products: Lifetime mortgages and home reversion schemes. The most popular type is a lifetime mortgage. Here are some key features:

  • All money raised from equity release is tax-free.
  • Lifetime mortgages are usually available to those age 55 and over.
  • Interest can be rolled up and added to the overall loan, meaning there is no need to make monthly payments. There are products that allow you to pay off the interest to reduce the sum of the overall loan.
  • Because no monthly payments need to be made, the mortgage is not underwritten on personal affordability, but solely based on the value of your home.
  • Any interest rate attached to a lifetime mortgage product is fixed for life. Read our blog on interest rates and equity release.
  • Lifetime mortgages mean you still own your home and you can continue to do so until you move into long-term care or pass away.
  • Lifetime mortgage products allow you to withdraw a lump sum at the outset, or you can take out the option of a drawdown mortgage, which means you can access sums of money in the future.
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    Call our equity release team on 0333 443 9825

    Over 55-home loans in Hampstead: Reasons to take out an equity release mortgage

    If you are considering a later-life mortgage in Hampstead, there are many things to think about but one of these is your reason for releasing equity.

    Here are some of the reasons people choose to release equity from their Hampstead homes:

    • To pay off an existing mortgage or loans
    • To fund home and garden improvements, such as extensions, and this will also boost the value of your home
    • To boost disposable income for day-to-day living costs and regular bills
    • To provide family with a pre-inheritance gift
    • To fund travelling, holidays, or large purchases such as buying a holiday home
    • To pay for medical costs or care at home

    For free equity release advice in Hampstead or NW3, get in touch with our qualified advisers

    To find out more about releasing equity or retirement mortgages in Hampstead, please call now on 0333 000 2097 or email