Looking to remortgage your current interest only mortgage. Need to pay it off due to retirement?
A lifetime mortgage could be the solution you are seeking if you are retired or cannot meet affordability checks.
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If your mortgage is reaching maturity and you need to settle it, a LIFETIME MORTGAGE can be the ideal solution to settle your current provider and give you the flexibility you need.
If you are looking to reduce your outgoings on retirement and still have mortgage payments to make, a Lifetime Mortgage could help you manage your financial commitments.
If you are concerned you won't qualify due to income, then don't worry, a Lifetime Mortgage does not require proof of income to qualify.
Simply, a lifetime mortgage is available to you if you are aged 55+, own your home with a minimum value of £70,000. (Subject to lending criteria and valuation).
There are no income checks required, so you do not need to prove to the lender your income.
Rates are currently at the lowest they have been for many years, and the rate you can secure will be fixed if you wish for the entire life of the mortgage
We are more than just another ‘equity release’ broker’. CFS Equity Release has built it’s reputation through providing dedicated personal support either at your home, our office or via a Teams call. We have released millions of pounds of equity for our clients to meet their objectives.
We understand that nothing is more important than the emotional, financial and spiritual health of your family, through its many transitions. We are here to help you and ensure you are making a fully informed decision and be delighted with the result. Plus, all our initial advice is fee free, so if it is not right for you, it will not have cost you a penny!
A lifetime mortgage is not suitable for everyone and may affect your entitlement to means tested benefits, so it is important to seek financial advice before taking any action. If you are considering releasing equity from your home, you should consider all options available before equity release.
The interest that may be accrued over the long term with a Lifetime Mortgage, may mean it is not the cheapest solution. As interest is charged on both the original loan and the interest that has been added, the amount you owe will increase over time, reducing the equity left in your home and the value of any inheritance, potentially to nothing.
APPROVED BY OPENWORK PARTNERSHIP: xx/xx/2025
A lifetime mortgage is not suitable for everyone and may affect your entitlement to means tested benefits, so it is important to seek financial advice before taking any action. If you are considering releasing equity from your home, you should consider all options available before equity release.
The interest that may be accrued over the long term with a Lifetime Mortgage, may mean it is not the cheapest solution. As interest is charged on both the original loan and the interest that has been added, the amount you owe will increase over time, reducing the equity left in your home and the value of any inheritance, potentially to nothing.
Although the final decision is yours, you are encouraged to discuss your plans with your family and beneficiaries, as a Lifetime Mortgage could have an impact on any potential inheritance. We would also encourage you to invite them to join any meetings with your Financial Adviser so they can ask questions and join in the decision, as we believe it is better to discuss your decision with them before you go ahead.
Equity release is a Lifetime Mortgage / Home Reversion plan which is secured against your property via a first legal charge. To understand the features and risks ask for a personalised key facts illustration.
Any existing mortgage(s) must be paid off on completion. Any money released, plus accrued interest to be repaid upon death, or moving into long-term care.
Equity release will affect potential inheritance and your entitlement to means-tested benefits both now and in the future.
We provide initial advice for free and without obligation. Only if your case completes would a typical fee of 2% of the loan amount released be payable subject to a minimum £1250.
CFS Equity Release is a trading name of Delphic Financial Planning Limited FCA No. 486037 which is an appointed representative of The Openwork Partnership a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority FCA No. 408285
Delphic Financial Planning Limited – Registered Office: 17 Heritage Park, Hayes Way Cannock WS11 7LT – Registered in England No. 06613871
