Want to know more about equity release?
Watch our two-minute that will explain how equity release could work for you.
Would you like to know more, call us on 0800 999 3339 or book a call back.
Richard has been voted ‘mortgage adviser of the year’ and won numerous industry awards.
Tom is an accredited later life Lending professional with The London Institute of Banking & Finance.
See how much you could release with our simple lifetime mortgage calculator.
Access to tax-free cash becomes possible through a 'lifetime mortgage' or equity release plan. Without selling up, you can borrow against your property or sell a portion while staying put. The released funds might come as a single payment or regular income, and some plans allow for additional withdrawals later on. You'll need to be at least 55 years old and either own your home outright or have a small remaining mortgage (which you'd settle using the released equity).
Strict FCA regulation provides robust consumer protection in the equity release market. We adhere to stringent standards that protect your interests.
Our lifetime mortgages come with a no-negative-equity guarantee - meaning you or your estate will never owe more than your property sells for (assuming it's marketed properly to achieve the best reasonable price).
Your released equity can be used however you wish. Many people renovate their homes, purchase new vehicles, clear outstanding debts or simply enhance their retirement lifestyle. The choice is entirely yours, with countless possibilities for using your funds.
Here are a few of the most common reasons people choose equity release.
Repaying
University or weddings
At Equity Release and Mortgage Partnership Gloucester, we specialise in bespoke financial advice. Our knowledgeable team offers straightforward guidance to help you make confident decisions about your financial future. From equity release to finding the ideal mortgage, we're here to support you throughout your journey.
Creating a secure financial future remains our core mission, delivered through personalised service that helps brighten your retirement prospects.
Here’s what to expect when you work with us for equity release, if you live in Gloucester.
You get in touch for a no-obligation chat, either over the phone or face to face. Your adviser will explain how equity release works, answer initial questions, and check whether it could be suitable.
If equity release looks appropriate, your adviser will carry out a full assessment of your circumstances and recommend a plan tailored to your needs.
Your chosen lender will arrange an independent valuation of your home. This confirms the property value and the final amount you can release.
You’ll receive independent legal advice from a solicitor of your choice. They’ll explain everything in plain English and handle the legal side before completion.
Once everything is approved, your equity is released to you as a lump sum, smaller amounts, or a mix of both. You remain the owner of your home for life, with no mandatory monthly repayments.
You’re supported at every stage, and you’re free to stop the process at any time.
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY DEBT SECURED ON IT.
Equity Release and Mortgage Partnership Ltd is directly authorised and regulated by the Financial Conduct Authority (FCA) and is entered on the financial services register http://register.fca.org.uk under reference 986900. Privacy Notice. Update cookies preferences
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