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Free Equity Release Advice & Rates
Equity Release is a means of retaining your house to live in ,whilst obtaining either a lump sum or alternatively a regular income. It is particularly useful for an elderly person but proper advice from an IFA is essential as the debt incurred has to be repaid upon death.
FREE EQUITY RELEASE GUIDE
The Independent Financial Advisers (IFAís) that we recommend are obliged by law to give you the best possible advice regarding Equity Release.
The initial consultation is free of charge. The local IFA will establish your precise requirements and normally submit a full proposal for your consideration . You are not committed to accepting this recommendation.
Get a free telephone consultation with a fully qualified, experienced and regulated Independent Financial Advisor.
There is no obligation to appoint the Advisor to act on your behalf.
Equity release can seem like a good way to release some capital but there are pitfalls to be aware of.
What is equity release?
Essentially, taking an equity release mortgage is using the value of your home now to release some of its equity. On your death, the equity that was released, plus the interest accrued, will be reclaimed.
This is an option for people who are cash poor but asset rich and has been increasingly used as an option as house prices increase and the capital in property can be significant.
Things to be aware of
Interest accrues on the lump sum until your death, so even if you borrow a small amount, depending on the interest rate, you could owe a significant sum. It's also good to be aware that if you claim any benefits, releasing equity can also affect them, so it's best to get equity release advice before looking at any options.
Getting equity release advice
Equity release advisors can talk you through the options, look at the different products available and help you find one that's right for you. They can also look at whether there are any alternatives to equity release which might be more relevant to you.
To make sure you get equity release advice that isn't related to a specific product, choose an independent financial advisor. It's also important to ensure that the financial advisor is regulated by the Financial Conduct Authority (FCA).
Unbiased equity release advisors offer a free initial telephone consultation.
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