Want to know more about equity release?
Watch our two-minute video 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 called a lifetime mortgage, is a way for homeowners aged 55 or over to access tax-free cash tied up in their home without having to sell or move. You can either borrow against the value of your property or sell a portion of it in exchange for a lump sum or a regular income. Some plans also offer the flexibility to release more funds later if needed.
If you still have an outstanding mortgage, that’s not a problem – you simply use part of the funds released to clear it first.Yes, equity release is a regulated financial product. We are fully authorised and regulated by the Financial Conduct Authority (FCA), ensuring you receive fair, transparent, and professional advice.
One of the key benefits of a lifetime mortgage is the no negative equity guarantee, which means that neither you nor your estate will ever owe more than your home’s final sale value, as long as it is sold for the best price reasonably obtainable. This protects you and your family from financial risk.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 Stoke-on-Trent, we specialise in helping homeowners find the right mortgage or equity release solution to suit their individual needs. With extensive experience in later-life lending, we’re committed to providing honest, straightforward advice that puts you in control of your financial future.
We understand that equity release is a significant decision, which is why we take the time to listen, explain, and guide you through your options clearly and without jargon. Our approach is personal and supportive, ensuring you have the information you need to make the right choice with confidence.
From your initial enquiry to the completion of your mortgage, we provide a hassle-free, transparent service designed to make the process as smooth as possible. With no broker fees and no hidden costs, you can trust that our advice is always focused on what’s best for you.
Whether you’re looking to release equity, secure a mortgage in later life, or simply explore your options, we’re here to help every step of the way.
Here’s what to expect when you work with us for equity release, if you live in Stoke-on-Trent.
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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