Equity release

“I value being able to help my clients assess whether Equity Release is the best solution for them. It is important to me to clearly explain everything you need to consider and talk through all the options available to you, enabling you to make an informed decision.”
Vanessa, Equity Release Specialist
Vanessa@fmifa.com

Equity release is a way of releasing the wealth tied up in your property without having to move home. You can borrow against the value of your home in exchange for a tax-free lump sum with no monthly repayments. You retain full ownership of your home.  If you are 55 or older and own your own home you could be eligible for a lifetime mortgage.

A Lifetime Mortgage is a type of mortgage where you can choose to extract your funds in a single lump sum and/or smaller amounts over time. The loan and the accrued interest can be repaid at any time but must be repaid by your estate when the last person living in your home either dies or move to permanent long-term care.

The amount that can be released is dependent on your age and the value of your property.

A lifetime mortgage will be secured against your home. Think carefully before securing a loan against your property. To understand the features and risks, please ask for a personalised illustration. We do not give advice on Home Reversion plans.

If you would like to speak to Vanessa about Equity Release, please call or complete the enquiry form.

 

 

“Thank you Vanessa for all your help and perseverance in getting this matter completed as quickly as possible. Very much appreciated.”

“Very many thanks for your timeless help in securing our equity release package. Your calm professionalism was so reassuring.”

“I can’t thank you enough for all you’ve done for me over these past months.”

“A huge “thank you” for looking after us so well. It’s been an absolute pleasure to do business with you.  A more professional, personable person we’ve yet to meet.”

“Wow! Our bank account is momentarily looking very healthy. Thank you so much for all your advice and very speedy assistance. We very much appreciate it.”

“We have to say we are very impressed with your efficiency.”

“Thank you so much for organising our lifetime mortgage. All completed now and we were most grateful for your very professional advice.”

“Many thanks for your very professional advice and smooth application process. Much appreciated.”

“Thanks for help, support and patience Vanessa. Been good to know you were there to ask any questions when we needed to.”

“Thank you so much Vanessa, you took me through the application with absolute empathy, you are a star!”

“A big thank you!  It would not have been possible without you.  You have helped our dream come closer to reality.”

“Vanessa explained it all amazingly in a very nice gentle, not in a heavy kind of way. She’s a really lovely kind person that is so easy to talk to and put me totally at my ease.”

Equity Release Publications

Equity Release Fact Sheet
A leaflet to provide additional details on Equity Release. Equity Release can be a highly valuable extension to your retirement planning and a simple, efficient option to help deal with issues surrounding Inheritance Tax.

Equity Release Myth Busters
Lifetime Mortgages have changed significantly over the years. Despite this, there are still myths that need dispelling. Vanessa has written the facts about Equity Release for each of the common myths.

10 Top Tips when considering Equity Release
With equity release you can use some of the money tied up in your home to get a tax-free lump sum. You can spend this on whatever you like. Used wisely, it can help create a more comfortable retirement for you and your family.

Equity Release Publications

Equity Release Fact Sheet
A leaflet to provide additional details on Equity Release. Equity Release can be a highly valuable extension to your retirement planning and a simple, efficient option to help deal with issues surrounding Inheritance Tax.

Equity Release Myth Busters
Lifetime Mortgages have changed significantly over the years. Despite this, there are still myths that need dispelling. Vanessa has written the facts about Equity Release for each of the common myths.

10 Top Tips when considering Equity Release
With equity release you can use some of the money tied up in your home to get a tax-free lump sum. You can spend this on whatever you like. Used wisely, it can help create a more comfortable retirement for you and your family.

Wycombe Sound radio’s interview with Vanessa
Chris Phillips, quizzed Vanessa on many aspects of this increasingly mainstream area of lending.

How client’s spend their ER money
In 2022 our clients used the money they released for many different reasons and often a combination:

Wycombe Sound radio’s interview with Vanessa
Chris Phillips, quizzed Vanessa on many aspects of this increasingly mainstream area of lending.

How client’s spend their ER money
In 2022 our clients used the money they released for many different reasons and often a combination:

Independent advice without additional fees is our promise to you

We are independent and will search for the best option for you across the market. You will not be charged an advice fee as the mortgage lenders will pay us a fee. We do not want you to pay twice.

 Financial Management are members of the Equity Release Council. Our clients have the reassurance that we are protecting them every step of the way.

Read our clients stories

Helen and Graham’s story

Helen and Graham’s story

Helen and Graham’s story Helen and Graham have both been self-employed for most of their working lives. Graham is in the construction industry and has had to reduce his work significantly in the last 12 months because of a recurring back problem. Helen has seen a...

Steve and Angela’s story

Steve and Angela’s story

Irene’s story Steve and Angela live in Penn Street and are both in their mid to late 60s, retired with 2 grown-up daughters and 1 grandson. They have lived in their house for almost 40 years. They would like to help their youngest daughter with renovations to her...

Irene’s story

Irene’s story

Irene’s story Irene, 81, is enormously proud of her granddaughter, Chloe. She has watched her grow up and qualify as an engineer and get a great job, working in London. At age 27, Chloe is still living with her parents, Tom and Jacky, commuting and saving hard for a...

In 2022 our clients used the money they released for
many different reasons and often a combination:

%

Spent money improving their homes or on a car

%

Helped family members with house deposits and school fees

%

Repaid their existing mortgage and other debts to reduce their monthly outgoings

%

Supplemented retirement income

Source: fm’s clients 2022

Member of the Equity Release Council.

Accredited by SOLLA for later life lending.

Accredited by The London Institute of
Banking & Finance for later life lending

Enquiry form

When you press SUBMIT, you voluntarily choose to provide personal details to us via this website. Personal information will be treated as confidential by us and held in accordance with General Data Protection Regulation. You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone.

The form has been submitted

Thank you for this confirmation to invest additional funds to your General Investment Account. We will confirm the bank account to transfer the funds and a reference number. Once the top up has been applied to your tax-free investment account, the Client Support Team will confirm this and provide you with an updated valuation.

The form has been submitted

Thank you for this confirmation to invest additional funds to your ISA. We will confirm the bank account to transfer the funds and a reference number. Once the top up has been applied to your tax-free investment account, the Client Support Team will confirm this and provide you with an updated valuation.