Professional Advice on Equity Release in Cheltenham and Tewkesbury

Many people approaching retirement or already retired find themselves in a position where they are asset rich and income poor. In other words they are living in a house which has substantial value, but they are unable to enjoy retirement to the full because of a very tight income and possibly even continuing debts to service.


  • Will I be secure in my home for the rest of my life?
  • What happens if my partner is taken into long-term care?
  • How will it affect my children or other beneficiaries?
  • Can I use the money to help my family?
  • Are there any restrictions on how I use the money?
  • Will my estate end up with a debt?
  • What will it cost to repay the loan if my circumstances change?
  • Can I raise enough money to make the transaction worthwhile?
  • Will I need to prove my income in order to justify the Equity Release?
  • Do I have to take all the money at once?
  • Is there scope for raising additional money in the future?
  • Will I have to make payments?
  • What happens if I want to move house?

Some of the most common reasons for arranging an Equity Release are as follows:

  • to pay off an existing mortgage and enable you to retire
  • to help you fund the purchase of a new home may not otherwise have been possible
  • to clear an interest-only mortgage
  • to clear other outstanding debts that are troubling you, such as credit cards and loans
  • to help your family, as mentioned above
  • to pay for home improvements
  • to buy a reliable car
  • to enable you to travel, or maybe take the holiday of a lifetime
  • to provide that "rainy day cash reserve" needed to ease your worries about an uncertain future
  • or for anything else you choose

Please provide a few brief details on the form below. I will get back to you as quickly as possible by telephone or by email in order to answer any questions and arrange a preliminary chat.


  • We do not sell or arrange lifetime mortgages.
  • If we believe that a lifetime mortgage may be more appropriate for you than other mortgage solutions that we have access to, we will refer you to a specialist colleague who will review your situation and guide you through the whole process.
  • In the course of that work he will be able to answer all your questions and address any of the concerns listed on this page.


Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.

We do not provide specific advice on lifetime mortgages (i.e. equity release). If we believe this may be your most appropriate course of action we will refer you to a colleague who specialises in that area.

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