The Equity Release Valuation Process

One of the big myths about equity release and lifetime mortgages is that you will receive a valuation of your property that is unfair, a poor reflection or biased in favour of the lenders.

However, this couldn’t be further from the truth. To proceed with a plan, there must be an independent valuation carried out from a chartered surveyor. The surveyor has no interest in valuing up or down your property and is chartered, ensuring they have a reputation to maintain as a fair expert.

At Responsible, we can challenge any valuation which you don’t think looks right and we use comparables from the surrounding area to do so. At no point does the equity release lender ever value the property themselves.

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Responsible Equity Release is a trading style of Responsible Life Limited. Responsible Life Limited is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register ( under reference 610205. Only if you choose to proceed and your case completes will Responsible Life Limited charge an advice fee, currently not exceeding £1,490. A lifetime mortgage may affect the value of your estate and your entitlement to means-tested state benefits. Our adviser will talk you through this and the setting up costs before you make any decision to proceed.

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