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How can Equity Release Matters help me?

We believe that it is essential to take independent advice from a qualified professional when considering Equity Release.  It is important that you feel secure and confident in knowing it was the right decision for you and were given all of the information to consider, together with the time to consider it.

It is important to be aware of all other options when looking to raise funds from your property, such as downsizing, perhaps moving in with others or considering alternative housing options that may be available to you.  If money is needed in order to repay debt, budgeting or debt counselling/solution services may be more appropriate. Some people consider taking in a Lodger, although many do not like this idea as it could affect your privacy.
Checking that you are receiving your full entitlement of State Benefits is also wise, as you may be able to increase your income over that which you are currently receiving.  We will be more than happy to assist you with this and can help you apply for any benefits we feel you may be eligible for.
Grants or financial assistance for home improvements may be available in your area and may avoid the need to raise capital through Equity Release if the extra money is needed for house repairs.
Later Life Matters Limited also feel that it is important to involve your family in these decisions, as it can have an impact on inheritance and the ongoing value of your estate. Involving your family in the early stages may avoid difficult surprises later on.
Although Equity Release can have the effect of reducing potential inheritance tax (dependent upon your personal circumstances) it is important to note that this should not be the sole reason for embarking on an Equity Release Scheme.  We are able to offer independent and specialist, estate planning advice that will specifically review your inheritance tax situation, supported by our colleagues Eversley Legal Services Limited.

We will provide you with a copy of our Key Facts about Equity Release and Client Agreement at our first meeting or following your first telephone enquiry.  These explain the service being offered, whether you will have to pay for it and the product range we offer.
Following our initial meeting and having gathered important information about your priorities, needs and objectives, our Later Life Consultants will be able to research and recommend schemes that are suitable for you and full take into account your needs and circumstances.  If a Scheme is appropriate for you, we will provide a full written report containing all of the relevant information so that you can have the time to digest your options. 

This will include such topics as:

  • Confirmation of your circumstances and suitability of Equity Release
  • Consideration of any additional health or lifestyle issues
  • Checking what affect a scheme may have on your tax position or benefit entitlement
  • Advantages and disadvantages of the scheme being recommended
  • The Annual Percentage Rate (APR) for Lifetime Mortgages
  • Full disclosure of our fees or any commission that we may receive for arranging the scheme
  • Key Facts Illustration from the recommended Lender


If a plan is not suitable for you, we will tell you.

How much can I release?
Later Life Matters
Equity release allows homeowners aged 55 and over to release some of the money tied up their home, without the need to move.
Online Enquiry
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  What is Equity Release?  
  "Equity" is the value that you have in your home. It is the open market value less any mortgage or other such...  
  Home Reversion Plan  
  A Home Reversion Plan allows you to sell a share of your property (or all of it) to a Reversion Company in...  
  Lifetime Mortgages  
  A Lifetime Mortgage is designed to provide a lump sum – some schemes may also provide the option of...  
  How we can help  
  We believe that it is essential to take independent advice from a qualified professional when considering...