CFS Equity Release is a trading name of Delphic Financial Planning Limited which is an appointed representative of Openwork Limited, which is authorised and regulated by the Financial Conduct Authority.
Principal office address is:
17 Heritage Park, Hayes Way, Cannock WS11 7LT
Openwork Ltd – FCA Number: 408285
Delphic Financial Services is registered with The Financial Conduct Authority – No. 486037
You can search the register at: https://register.fca.org.uk
YOU WILL NEED TO TAKE LEGAL ADVICE BEFORE RELEASING EQUITY FROM YOUR HOME AS LIFETIME MORTGAGES AND HOME REVERSION PLANS ARE NOT RIGHT FOR EVERYONE.
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 inheritance and potentially 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 1.99% of the loan amount released be payable subject to a minimum £1295
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
