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.
Equity release, also known as a lifetime mortgage, allows homeowners over 55 to access the money tied up in their property without having to move or sell. You can either borrow against your home’s value or sell a portion of it in return for a lump sum or regular payments. Some plans even offer the option to withdraw additional funds later if needed. If you still have a mortgage, part of the released funds must be used to pay it off first.
Absolutely. We are fully regulated by the Financial Conduct Authority (FCA) and follow the strict rules set by the Equity Release Council to ensure your protection.
With a lifetime mortgage, we guarantee that you will never owe more than the value of your home when it’s sold, as long as it’s sold for the best price possible. This means you or your estate won’t face any debt beyond your property’s worth.
The choice is yours. Whether you want to renovate your home, buy a new car, pay off debts, or simply enjoy a more comfortable retirement, the funds are yours to use as you wish. The possibilities are endless!
Here are a few of the most common reasons people choose equity release.
Repaying
University or weddings
At Equity Release and Mortgage Partnership Hastings, we specialise in helping homeowners make informed financial decisions about later-life mortgages and equity release. With years of experience, we provide honest, straightforward advice to ensure you find the best solution for your needs.
We understand that making financial decisions in later life can feel overwhelming, which is why we take the time to explain everything clearly, no jargon, no pressure, just expert guidance tailored to you. Our service is completely fee-free, meaning you won’t pay us anything for our advice, we receive payment from the lender once your mortgage is completed.
Whether you’re just exploring your options or ready to proceed, Richard and Tom are here to help. With a friendly and professional approach, we make the process simple and stress-free. Your financial future matters, and we’re committed to helping you secure it with the right advice and support.
Here’s what to expect when you work with us for equity release, if you live in Hastings.
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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