Do you want to learn more about your later life financial options after 55, including equity release and other mortgage products?
Based in Bath, operating in and around the Cotswolds, I’m a fully qualified later life finance specialist.I specialise in helping individuals realise the potential wealth within their property by looking in to later life financial products that could help achieve this.
Throughout our journey together, I’ll guide you from start to finish.
Together, we’ll review your current financial position and explore how the various products work, ensuring you understand the associated risks and benefits from all the options.
I will find the right solution for your needs and should you decide to proceed with my recommendation, I'll assist you through the application process
You’re in control. The decision to proceed - if and when you proceed; remains entirely with you.
As your adviser, I can offer you a diverse range of later-life mortgage options from various providers across the entire market.
These include products such as Lifetime Mortgages, the most popular form of equity release, traditional mortgages and retirement interest-only mortgages.
Working together we will determine the best solution for your needs.
Equity release is borrowing against your home to free up a portion of the wealth held in your property. The money is usually released in the form of a tax-free cash lump sum and it is one of the financial solutions that may be available to homeowners over 55.
With equity release, you could:If you would like to commit to required monthly payments, then it could be the case that traditional or Retirement Interest-Only Mortgages could suit your personal circumstances.
In contrast to Lifetime Mortgages, with these mortgages you do have to pass affordability and credit checks as these mortgages all come with required monthly payments. At Responsible Life we have access to a wide variety of products, including from major lenders such as those listed below.
Whilst we can give you indicative figures of how much you could release with a Lifetime Mortgage, to assess your options for traditional, Retirement and Retirement Interest-Only Mortgages we’d require more information. This is because these mortgages consider your income, what you could afford and what type of income you are in receipt of.
To confirm what products you may be eligible for, get in touch with me and book in for your no-obligation advice consultation. There is no upfront cost to meet with me and talk through your options
See Lifetime Mortgage optionsEquity release is borrowing against your home to free up a portion of the wealth held in your property. The money is usually released in the form of a tax-free cash lump sum and it is one of the financial solutions that may be available to homeowners over 55.
With equity release, you could:If you would like to commit to required monthly payments, then it could be the case that traditional or Retirement Interest-Only Mortgages could suit your personal circumstances.
In contrast to Lifetime Mortgages, with these mortgages you do have to pass affordability and credit checks as these mortgages all come with required monthly payments. At Responsible Life we have access to a wide variety of products, including from major lenders such as those listed below.
Whilst we can give you indicative figures of how much you could release with a Lifetime Mortgage, to assess your options for traditional, Retirement and Retirement Interest-Only Mortgages we’d require more information. This is because these mortgages consider your income, what you could afford and what type of income you are in receipt of.
To confirm what products you may be eligible for, get in touch with me and book in for your no-obligation advice consultation. There is no upfront cost to meet with me and talk through your options
See Lifetime Mortgage optionsWe will compare products from across the whole of the equity release market, using available products from lenders who are members of the Equity Release Council.
At Responsible Equity Release, we understand that considering borrowing in later life is a significant decision, and it’s important to know what the process entails. Here, we have detailed the steps that will see you through your journey with us.
There are a few different costs associated with borrowing, from interest charges to surveyors and solicitors’ fees.
If you choose to proceed and only when your case is completed, will you be charged an advice fee. I will discuss all of the costs associated with my recommendation before you make any decision to proceed.
This means you can explore your options without any upfront charges, and a fee not exceeding £1,690 will only be applicable if you decide to move forward and you actually release equity.
