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If you’re over 55 and own a home with a value of at least £70,000, you may be eligible for equity release, regardless of whether you have a mortgage or not.
Equity release gives you the opportunity to obtain a tax-free lump sum of cash or multiple smaller amounts from the equity in your home.
As a mortgage broker in Cambridge, we provide our services in all mortgage areas, including equity release for those looking to take out a later life mortgage in Cambridge. Our team of later life mortgage advisors are here to make your equity release journey as simple and stress-free as possible. Our equity release advisors in Cambridge are supported by a diligent team of case managers who will ensure that your process is carried out carefully and correctly, and keep you in the loop during every step of the process.
Before you release equity from your property, your advisor will talk you through the process and make sure that it is the right decision for you. If this is the right way for you to go, we can immediately begin the process, starting with trying to find you the most appropriate equity release mortgage deal for your personal and financial situation.
When it comes to selecting your equity release options in Cambridge, you will be faced with two choices: – the lifetime mortgage, which is available to homeowners from 55+; the home reversion plan, which involves selling all or a portion of your home.
Both types of equity release plans, lifetime mortgages and home reversion plans, are regulated by the Financial Conduct Authority.
Whether it’s to provide financial support to your family, pay off existing mortgages or debts, renovate your home, or increase retirement income to cover the rising cost of living, our mortgage advisors in Cambridge can assist you in reaching your financial goals.
Lifetime mortgages give you a way to release tax-free money from your home, where the money can be spent on whatever you want. You will always have complete ownership over your home and can stay there or the rest of your life if you wanted to.
A lifetime mortgage is typically repaid from the sale of your home when you pass away or move into permanent care (for two borrowers, this applies to the surviving borrower).
Lifetime mortgages in Cambridge have become increasingly flexible in recent years, offering options such as voluntary payments, monthly interest payments, and the ability to transfer the mortgage to a different property you plan to reside in.
For further mortgage advice in Cambridge regarding equity release in Cambridge, we would recommend speaking with experts, like ourselves. We offer impartial advice to make sure that you are making the right decision for your personal and financial situation.
The most suitable way to speak directly to a later life mortgage advisor in Cambridge is to book a free initial mortgage appointment online or by giving us a call on 01223 653 832.
If equity release is practicable for you, your Later Life mortgage advisor in Cambridge will source the most suitable product that will be appropriate for both you in the present and in the future from the whole of the market. When it comes to Equity Release in Cambridge there are two types, one being a lifetime mortgage which is available for 55+ and the home reversion plan (which involves selling all or part of your home).
To understand the features and risks, ask for a personalised illustration. Equity Release may come in the form of a lifetime mortgage or home reversion plan. A lifetime mortgage may impact the value of your estate and it could affect your entitlement to current and future means tested benefits. The loan plus accrued interest will repayable upon death or moving into long term care.
A home reversion plan involves selling all or part of your home to a plan provider in exchange for a tax-free lump sum.
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The fee is up to 1% but a typical fee is £495.
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During your free initial appointment, you will speak with a later life mortgage advisor in Cambridge about your inheritance plans and goals.
We will consider equity release and lifetime mortgages only after exploring other alternatives that may be better suited to your needs.
We will examine the most suitable options for you, including retirement mortgages and the possibility of charity participation.
Given the importance of releasing equity, we strongly encourage customers to involve family members or trusted individuals in the discussions.
We will review all of your equity release options, plans and financial information so that you know what you are taking out.
If your equity release mortgage advisor in Cambridge believes that equity release is the most appropriate route for you to take, we can go ahead and find you the perfect deal for your situation.
We will provide a personalised lifetime mortgage recommendation, taking into account any inheritance plans you may have.
Yes, equity release is one of our specialities as a mortgage broker in Cambridge. Here at Cambridgemoneyman, we can also help you with a standard Remortgage enquiry. If you have any questions, don’t hesitate to get in touch if you are near the end of your fixed period.
As a fast and friendly Mortgage Broker in Cambridge, the customer is the heart of this business. This is why we choose to help many customers achieve their mortgage goals. We aim to always do our best to overcome any mortgage hurdle that we are faced with no matter how difficult the situation is; we love a good challenge!
During your free initial mortgage consultation, our Mortgage Advisor in Cambridge will go and search 1000’s deals for the most suitable mortgage deal that matches your personal and financial situation.
Once we recommend you a mortgage deal that you want to continue with, we will be able to get the ball rolling with your mortgage application.
We also have the ability to help you sort out conveyancing solicitors, providing advice on which may be the best survey for you to take. If you need help with anything at all regarding your mortgage process, please get in touch with your dedicated mortgage advisor in Cambridge or mortgage administrator. They’ll do what they can to help you out.
We will hold your hand through the whole mortgage process by providing open and honest mortgage advice in Cambridge. We will get through the mortgage journey together.
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Cambridgemoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Cambridgemoneyman 2009–2026
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Cambridgemoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Cambridgemoneyman 2009–2026
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