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Equity Release is a way of using the value of your property to release cash in the form of a lump sum or regular payments.

In recent years all forms of Equity Release schemes have become regulated by the Financial Services Authority ensuring protection for consumers.  If you are over 55, you are now able to safely release capital from their home in a properly regulated environment.  You don't have to sell your home to unlock equity, you could benefit from no monthly payments and you are able to continue to live in your home.  You may also be able to pass on some of its value when you die or go into long term care.

In addition, through the Safe Home Income Plans (‘SHIP’) trade body there are guarantees that you will never lose your home and will never owe more than its value and/or leave a debt on your estate.  Think Finance welcomes these developments and will only ever recommend equity release products from companies that are members of SHIP.

Think Finance believe that for anyone considering Equity Release, the most important first step is to obtain specialist independent advice to ensure you receive professional guidance, the equity release market is quite complicated with many different products to consider.   To advise on Equity Release, additional professional qualifications are required, you will only ever deal with a fully qualified Equity Release specialist at Think Finance.

Equity Release is not for everyone and it is crucial to understand all of your options.  Prior to proceeding with anything we will always insist on a full consultation to establish whether it is suitable for you and that all other options have been considered.  We of course cover the cost of this meeting. 

Equity Release can be used to raise cash for any purpose; some of the more common reasons are below: 

  •   To improve pension income and quality of life in retirement
  •   To ensure a stable source of income in retirement
  •   To pay for Home improvements
  •   To assist family members
  •   To have that holiday of a lifetime!

These are lifetime mortgages and home reversion plans.  To understand their features and risks ask for a personalised illustration.

For lifetime mortgage and home reversion plan advice we will charge a fee of typically 1% of the loan amount.