Whole of Market Advice

Below are some of the lenders we deal with, however we have access to the whole of the market, including exclusive deals that you won’t be able to find yourself.

Are You Eligible for Equity Release?

If you’re aged 55 and over you could be eligible for equity release, which is a loan secured against the value of your property and can be provided as a tax-free lump sum, or in smaller amounts as and when you need it. Our team of professional equity release mortgage brokers can help determine whether you qualify and whether it’s the right option for you.

You have the right to remain living in the property as long as you uphold the terms of the mortgage contract. You also don’t have to give up the entire value of your property as you can choose to ring-fence a portion for inheritance purposes or to make your equity more affordable.

How much money you can borrow entirely depends on the value of your property, although the loans can be a little under the market value. This is why it’s so important to get financial advice to ensure that equity release will truly benefit your lifestyle or plans.

We understand that personal circumstances change so our team of mortgage advisor are here to help and offer advice, even after you’ve successfully acquired an equity release plan.

Get in Touch

We have access to the whole of the market to enable us to get you the very best deal that meets your needs.

What Our Customers Think

Star Rating Icons Agentis Financial & Mortgage Solutions

We cannot recommend Christine from Agentis enough. She has arranged our mortgage for the past 8 years and makes the whole experience so easy and stress free. She is extremely knowledgable and always secures us the best possible mortgage – we wouldn’t use anyone else! Highly recommended.

Clare Gray

Star Rating icons Agentis Financial & Mortgage Solutions

I couldn’t be more happier by choosing Agentis Financial for my first mortgage. I appreciated the time Christine took to explain everything to me and to answer the questions I had. Been very helpful and negotiated the offer for me, saved £3000! Thank you so much

Indre Talmantaite

Star Rating Icons Agentis Financial & Mortgage Solutions

I will never use anyone else. Agentis have helped me with house purchases and re mortgages. I have also recommended them for my sisters first time buy. Christine is always a pleasure to deal with and never fails to get you the best deal.

James Astill

Agentis Financial: Your Equity Release Specialists

Our team has a wealth of experience handling equity release and with access to the whole mortgage market you can rest assured that you’re receiving the best impartial advice that works for you.

We can run through the different types of equity release plans to help you choose the one that works best for you. From home reversion mortgages, to lifetime mortgages we’ll talk you through the key benefits and disadvantages for each.

While it can be uncomfortable to think about, it’s important to know that the money is typically payable once you sell your current property, leave to go into long-term care or when you pass away. We can make sure that you and your family are protected from owing more money than your property is worth by ensuring you choose a no-negative-equity mortgage.

We’ll also help factor in other costs that are often overlooked when budgeting for equity release, including legal fees, valuations, buildings insurance and home maintenance costs.

PLAN YOUR MORTGAGE THE RIGHT WAY
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Why Choose Us

  • Access to the whole market including exclusive deals you won’t find elsewhere.
  • Over 80 years of combined experience helping clients get the best rates for their circumstances.
  • Our team of mortgage experts also offer outstanding customer care. But don’t just take our word for it – check out our reviews!

Contact Agentis today to book a consultation to discuss your equity release options.

FAQs

Can I attach my equity release to a new property if I move?

Yes, you can move to another property with an equity release mortgage – however if you’re hoping to attach it to your new property, your mortgage provider will need to determine that you can still afford to pay back the loan before you purchase.

What interest will I have to pay for equity release?

You will only have to pay interest on money that you’ve acquired. While equity release interest rates are typically higher than ordinary residential mortgages they are usually fixed or capped, meaning you should know exactly how much you’re expected to pay and be able to budget accordingly.

How does equity release affect benefits?

If you’re concerned about whether equity release may impact your eligibility for welfare benefits, your mortgage advisor should be able to tell you whether the amount of equity you’re receiving would reduce or remove your entitlement to benefits.

How does equity release affect inheritance tax?

Equity release can reduce the amount of inheritance tax that would be owed on your property as you are essentially reducing the value of your estate.