OUR SISTER COMPANIES

Offering integrated advice across all areas of the mortgage, protection and general insurance to ensure that a holistic, joined up approach is taken when guiding our clients’.

Cheltenham Mortgage Advisers

Cheltenham Mortgage Advisers Ltd can help you find the right mortgage to suit your situation. We research the whole of the mortgage market to ensure you receive the most suitable advice for your circumstances.

www.cheltenhammortgageadvice.co.uk

Gloucester Mortgage Advisers

At Gloucester Mortgage Advisers we know that buying or remortgaging a property can be an intimidating process resulting in many questions to be answered, which we can help with.

www.gloucestermortgageadvice.co.uk

Equity Release, Lifetime Mortgages & Home Reversion Plans will reduce the value of your estate and can affect your eligibility for means tested benefits.

Equity Release will reduce the value of your estate and can affect your eligibility for means tested benefits.

Equity release is a way of releasing the wealth tied up in your property, without having to sell it and move to another home. You could choose to either borrow against the value of your home or sell all or part of it in exchange for a lump sum or regular monthly income. It may also be possible to take further monies from your property at a later date, if required. Equity release is designed to help customers over the age of 55 who either own their property outright, or have small mortgages left to pay.

This communication does not constitute advice and should not be taken as a recommendation to purchase any of the products or services mentioned. Before taking any decisions, we suggest you seek professional advice.

Did you know we are now offering video calls?

Lifetime Mortgages

Lifetime Mortgages

A lifetime mortgage is a type of mortgage where you choose to extract your fund through a single lump sum or in smaller amounts over time, to the maximum limit agreed with the provider.

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Home Reversion Plans

Home Reversion Plans

A home reversion plan allows you to access all, or part, of the value of your property while retaining the right to remain in it, rent free.

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Important Considerations

Important Considerations

Equity release may seem like a good option when you want some additional money but don’t want to move home. However, there are a number of important considerations.

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Getting advice

Before beginning to advise you and make any potential recommendations, your equity release qualified financial adviser will work with you to understand your specific circumstances and goals. Your adviser will consider the following when determining the appropriate solution for you:

  • The options of downsizing to release the money you need, or whether you want to release money from your property while staying in your current home.
  • Whether you wish to service the interest each month (like a mortgage for over 55’s) or receive the money required now, with an option to either pay some or all of the interest, or just have this interest roll up (Equity Release).
  • The proposed interest rate, fees and charges.
  • Whether fixed early repayment charges are important to you.
  • The importance of estate planning and the selection of a solution which offers an equity guarantee, or a means of paying the ongoing interest.If you require the flexibility to take more cash in the future.
  • Solutions with a high loan to value, if you want to take the money now and again in the future.
  • Drawdown solutions that allow you to take an initial lump sum but with a facility to take more later.
Call us today, to arrange a free initial consultation on 01242 211 610

Quilter Financial Services limited. 08/12/2025