Expert advisors on equity release in Walton on Thames, Surrey

Are you asking yourself, ‘What is equity release and how could it benefit me?’ Here at Access Equity Release we are local and independent equity release advisers, who can help clients make the most of their retirements in Walton on Thames, Shepperton, Ashley Park, or one of the other nearby parts of Surrey.

Many people over the age of 55 will have a lot of their personal wealth tied into their property and no mortgage, or only a small mortgage. Equity release allows you to access the value tied up in your home and turn it into a lump sum of money or even regular payments, without having to move home.

If you are searching for equity release advisers who can offer you independent and professional advice, along with equity release solutions tailored to your situation, the team at Access Equity Release can help. We are not tied to any  lender or panel of lenders, so we can search across the market for the best equity release products to suit you. We adhere to the rigorous standards set by the Equity Release Council, a body that works to ensure best practice across the equity release sector and to safeguard consumers.

Our equity release brokers strive to offer a first class service at all times. They are professional, friendly, and helpful, and always keep abreast of market developments.

To speak to us about retirement mortgages or equity release, please pick up the phone and call 0333 443 9825 to find out how we can help.

See how much equity you could raise

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.

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martin-wade-equity-release-adviser

Martin Wade

Why choose equity release near Shepperton?

Is your pension not as much as you hoped for? Perhaps your property ‘s value has risen significantly over the years? Many people of retirement age find themselves asset-rich and cash-poor and they do not want to move home but wish they had a little more cash for different reasons.

Popular reasons for releasing equity in Shepperton and Walton on Thames include:

  • Repaying a mortgage or other debts
  • Home improvements, like installing new kitchens and bathrooms
  • Day-to-day costs ( topping up any pension money)
  • Helping family members, such as helping first-time buyers get onto the property ladder
  • Holidays and travel
  • Private medical care

You can use equity release for any legal purpose.

explainer video thumb - Equity Release Advisers in Walton on Thames
explainer video thumb - Equity Release Advisers in Walton on Thames

KT17 equity release brokers: Why choose us?

If you are looking for a company that provides advice in Walton on Thames to help you release money from your home, it is important to choose wisely. We pride ourselves on our excellent service and maintain a reputation for offering equity release products from across the whole of the market, from lenders approved by the Equity Release Council. This means we are completely independent and unbiased and will always help you choose the right product for your specific needs.

Our advisers only recommend products that meet the standards set by the Equity Release Council and will always explain fully how equity release works and its impact on your and others. We can also discuss financial alternatives, such as residential mortgages. We can meet you at your own home, without fee or obligation, or speak to over video call or the phone. We also encourage family members to be involved in the decision-making process.

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Lifetime mortgages in Walton on Thames

A lifetime mortgage is a mortgage secured on your property. Unlike an ordinary mortgage, you do not normally have to make repayments. Unless of course you wish to.  Interest is added to the loan and the loan amount plus interest payments are paid back when you die or move into long-term care. Check out how much you could borrow with our equity release calculator.

They are available for people aged over 55 and there is a no negative-equity guarantee, which means you can never owe more than your property is worth. Some plans allow you to  ring fence some of your wealth in your property, so beneficiaries are still guaranteed  an inheritance. Read our blog on how a lifetime mortgage can help you in retirement.

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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

    Talk to our Walton on Thames equity release company

    If you are thinking about an over 55 home loan or later life mortgage lenders, call our Walton on Thames advisors now on 0333 443 9825. Alternatively, you can email the team at info@accessequityrelease.com and we can organise a face-to-face consultation.

    Appointments available in :-

    • Walton on Thames
    • Shepperton
    • Lower Sunbury
    • Sunbury
    • Hersham
    • Oatlands Park
    • Weybridge
    • West Molesey
    • Elmbridge
    • Hampton
    • Laleham
    • Ashford
    • Addlestone
    • Molesey
    • East Molesey
    • Esher
    • Chertsey
    • Hanworth
    • Hampton Hill
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    FIND OUT MORE

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

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