Trusted equity release specialists in Notting Hill, London

Are you interested in learning more about lifetime mortgages, home reversion schemes, or later life mortgages? Here at Access Equity Release, we are specialist equity release advisers working throughout Notting Hill, Maida Vale, Kensington, and the surrounding parts of London. Our team is perfectly placed to give you the expert and specialist advice you need so you can make an informed decision that is right for you, your property, and your family.

We are independent, FCA-regulated advisers and solely focus on equity release and the associated financial products. We have no links to any particular equity release provider, which means that we can access the whole of the market and choose from hundreds of products to find the right one for you. This means you will be getting the best advice based on our extensive experience of the market and our cutting-edge research. We are also members of the Equity Release Council, a highly professional body whose members act with transparency and integrity. Equity release has a number of safeguards in place to ensure that it is as safe as possible and as council members, we adhere to all their rules and guidance.

If you would like to know more about equity release and what we do, please ring now on 0333 000 2097 and we can book a no-obligation consultation.

Later-life mortgages in Notting Hill

You may be wondering whether equity release is the right choice for you? Many more homeowners in Notting Hill, who are aged over 55 are finding that much of their money is tied up in their home. Property prices in the capital have risen exponentially over recent decades, meaning you could stand to benefit quite considerably if you wanted to sell your home. However, we know that many people in their retirement wish to stay in their beloved house and the community that they know. So how can you access money if you don’t want to move home? Equity release can provide a useful way of accessing money tied up in your property, either as a series of payments, a lump sum of tax-free money, or a combination of these.

We are happy to come and see you at your property to talk about your individual financial circumstances and your goals for the future. We can also meet via a video call platform such as zoom or talk to you over the phone. Any initial consultation is completely free of charge.

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Should I release equity from my Notting Hill home? Some facts about the market

Notting Hill is considered one of the premier enclaves of London. Part of the borough of Kensington and Chelsea, the area has transformed over recent decades and has a real community and village atmosphere with boutiques and cafes aplenty as well as stunning communal gardens and peaceful residential streets. The houses are predominantly a mixture of Georgian, Edwardian, and Victorian architecture, mixed with modern property.

Figures on Rightmove in 2020 show that the average house price in Notting Hill that year was over £2million. The majority of property sales were flats that sold for an average of just over £1,250,000. Terraced homes fetched £3.6million and semi-detached homes made an average of £7,664,000. In 2020, prices were similar to 2019 and up 11 per cent on the peak of 2018.

Find out how much tax-free money you could raise by using our equity release calculator.

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Over-55 home loans and later life mortgages in Notting Hill, W11

The vast majority of equity release products in Notting Hill are in the form of a lifetime mortgage. This is a long-term loan secured against your property and has rolled-up interest which is only repaid when you die or move into long-term care. This is when your property is sold and the loan plus any accrued interest is paid back. As members of the Equity Release Council, we only advise that you take out a product with a ‘no negative equity guarantee’, which means that you will never owe more than the value of your home.

Other important features include:

  • Money is always tax-free
  • Money can be spent how you wish, whether it’s boosting your everyday income or paying for holidays
  • There is nothing to repay (unless you choose otherwise)
  • If you prefer you can repay some or all of the interest
  • You do not need to move or downsize
  • No negative equity guarantee
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    Speak to one of our friendly team
    Call our equity release team on 0333 000 2097

    Why equity release in Notting Hill?

    The reasons people choose to release equity are always individual to them. These can include:

    • Planning for the future, so they can give a ‘living inheritance’ to family or friends and gift them money for homes, weddings, or educational costs
    • Using the wealth to make life more comfortable, such as paying for holidays, home and garden improvements, or for day-to-day costs.
    • To help with other finances, such as clearing existing mortgages or paying off loans or credit cards

    We can find the right equity release products for you, looking at your individual requirements and motivations. Read our blog on the role of an equity release adviser.