Welcome

Equity Release is available to home owners over the age of 55 who wish to release tax free money from the property they own. Your property is generally your largest asset in retirement and many people find themselves equity rich but cash poor. Releasing some of the equity tied up in your property has never been as flexible easier safer and now coupled with very low fixed rates of interest there could never be a better time to understand the options available to you. The equity in your home can be released as a lump sum or in small amounts drawn down as and when required.

Equity release is one of the best financial schemes ensuring lifetime guarantee for retired individuals. With the help of an equity release calculator, one can calculate the exact amount of equity to be released from one's home.

Equity Release Best Home & Property Equity Mortgage Release in UK

In spite of all the benefits of equity release, not everyone should go for it. Are you sure it is good for you? Talk to our experienced advisors and find out.

What are the benefits of an Equity Release Plan?

You may be eligible to release the cash tied up in your property if you are a home owner and you are over the age of 55, or if a couple the youngest of you is over the age of 55. Under a Lifetime Mortgage you can release the cash required whilst still retaining the ownership of your property with a legal right to live in the property for the rest of your lives.
Equity Release facilitates the release of monies either as a lump sum or as ad hoc amounts known as draw down, the money is tax free and available for you to use as you see fit. The amounts available for you to raise are dependent on your age and the value of your property. Certain providers now offer enhanced terms based on medical evidence and lifestyle choices.
The money borrowed is usually repaid on death or on the survivor of you if a couple, entering Long Term Care with no chance of coming home. Generally no repayments are made during your lifetime, however there are options available on an interest only repayment basis and capital repayment basis to stop the debt from increasing.
Choosing the right plan and options will be the most important decision you will make. Obtaining Independent Professional advice is essential, there are different types of plans including Lifetime Mortgages, Drawdown Plans, Home Reversion Plans, Interest Only and Capital Repayment options. Navigating the minefield of options is where our Professionally Trained, Qualified and Experienced advisers are here to advise you and help you make an informed, educated decision, with no pressure.
Leaving an inheritance to your family or friends may be a priority for you; many schemes offer an inheritance protection guarantee. This allows you to make sure there is always a percentage of your property, which you choose to leave as an inheritance available.

The most popular options available today are Draw Down plans, these allow you to borrow up to an agreed maximum whilst initially only borrowing what you require now. The remainder sits in an agreed pre approved facility; this can be drawn down as and when required. The main benefit is interest is only charged on the amount borrowed, there is no interest charged on the facility available until the monies are borrowed. This helps to minimise the interest on the loan and allows you a greater deal of flexibility in planning your retirement. We would only recommend you borrow what you require now, paying interest on money you do not need is not financially advisable.
Use our Calculator to give you an idea of the maximum amounts you can potentially borrow and then speak to one of our advisers to understand the different options available.
There are no restrictions on what you use your money on, repaying your existing mortgage or repaying high interest debts will free up extra income, purchasing a new car, dream holidays, helping the kids financially will all help to enhance your retirement. Remember, it's your choice!
Current interest rates are low and fixed for the lifetime of the loan; therefore you will know exactly what will be repaid by your estate without any uncertainty of increasing interest rates.

Equity Release, is it right for you?

To understand the advantages and disadvantages of each type of scheme available from all of the providers in the market place, speak to one of our Qualified Independent Trained Advisers. We will help you match your current situation and requirements with the best options and products available.
Remember, making the decision to seek Professional Independent Financial Advice now, will be the most important choice you may ever make, we will help you make the right decision first time.
Do not just cope in retirement, enjoy the retirement you have worked hard to achieve.

About us

The Right Equity Release are here to help guide you through the world of Equity Release. We offer you a complete understanding of the options available alongside providing a safer, easier and flexible plan suiting your needs.
We can do all the hard work for you, taking the time to understand your personal requirements and then search the whole market to find the best deals available. Plus, we have exclusive access to the lowest rates on the market so you won't find a better deal.
All The Right Equity Release advisers are regulated by the Financial Conduct Authority (FCA) and understand the importance of talking to you in plain and simple English. Your personal adviser will be on hand throughout the entire process.

Trading Since

2010