Specialist equity release brokers in Hampton, Surrey

Access Equity Release are qualified equity release specialists, who can offer you expert, personalised advice regarding how to release equity. If you live in Hampton, Sunbury-on-Thames, Long Ditton, or one of the other nearby parts of Surrey, we can help you release tax-free cash from your property, so you can better enjoy your retirement.

Whether you want to travel the world in style, have more money for everyday comforts, or you would like to help your children or grandchildren get onto the property ladder, equity release can provide a solution. We are authorised and regulated by the Financial Conduct Authority (FCA) and we are members of the Equity Release Council, as such we uphold the highest standards.

You can trust our equity release advisers to really get to know your personal situation and we offer a friendly, professional, and client-focused service where we aim to achieve the best outcome for you. We always offer clear, honest, and articulate communication at every stage and we are always on hand to answer questions and to give you help and advice.

Unlike some other equity release companies, our local equity release company is not tied to a panel of lenders, so we are completely impartial. This means that we can search the whole of the market, to find the right product for you. We will research and assess all providers who adhere to the Equity Release Council’s standards in order to find the best plan and will provide ongoing support at every stage of the process.

Please dial 0333 443 9825 to find out how we can help.

Meet Martin Wade – Your local equity release adviser

I have been providing advice around property, mortgages and equity release since 2000 and am very lucky to thoroughly enjoy my job.

I have seen family members and the parents of friends benefit from equity release and feel proud to have been able to help.  There is a lot to think about before entering in to an equity release mortgage but I am sure I am able to answer all of your questions and ensure that in doing so, you make your decision fully informed whatever you choose to do.

Contact Martin
martin-wade-equity-release-adviser

Martin Wade

How can equity release help you in Sunbury-on-Thames?

Equity release is a way for older homeowners in Sunbury-on-Thames or Hampton to access the equity (money) tied up in their property. If you are over the age of 55 and a homeowner, it is likely you will be able to take out an equity release loan, which is sometimes called an over 55 home loan or retirement mortgage.

People release equity for numerous reasons but common ones include:

Other reasons include to fund private medical care, to move home, or to buy a new car.

explainer video thumb - Equity Release Advisers in Hampton
explainer video thumb - Equity Release Advisers in Hampton

KT8 equity release options: Lifetime mortgages

Equity release is sometimes called over 55 home loans or later life mortgages. There are two main types of products: Lifetime mortgages and home reversion schemes. Lifetime mortgages are the most popular and allow you to borrow some of your home’s value at a fixed or capped interest rate.  There are options for main residences, I.E. the home you live in, as well as for holiday homes and even Buy To Let properties. You can have the option of paying the interest to reduce the overall cost or allowing the interest to roll-up.  The choice is yours.

The mortgage will run for your lifetime (or until you move into long-term care) and on the eventual sale of your property, the mortgage plus the compounded interest is repaid from the sales proceeds. Read more on our blog about: What is a lifetime mortgage?

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Independent retirement mortgage brokers in Long Ditton

There are many factors to consider when looking at over 55 home loans or later life mortgage lenders. With our expertise, we can offer tailored advice to ensure you get the right outcome for you. You will need to be sure that equity release is right for you and your family before you proceed. We will be able to guide you through the benefits, costs, and risks before you decide if it is the right thing for you. The amount you may be able to borrow will be dependent on a number of factors: Check out our equity release calculator.

When choosing us you will get:

  • Personal one-to-one advice delivered in person at a convenient location of your choice, or via video conference or telephone
  • Specific expertise in equity release – it is solely what we focus on!
  • Advice from award-winning equity release advisers based on your personal circumstances
  • Transparent costs

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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

    Speak with our qualified equity release team now in Hampton

    If you are wondering whether equity release is the right choice for you, please do not hesitate to get in touch. We can be reached on 0333 443 9825 or via email at info@accessequityrelease.com.

    Appointments available in :-

    • West Molesey
    • Molesey
    • East Molesey
    • Sunbury-on-thames
    • Teddington
    home-reversion-plan

    FIND OUT MORE

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

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