Equity

Release

Compare remortgaging deals with Money Expert to release equity from your home and receive a lump sum of cash.
 
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Equity Release Mortgages

Speak to an advisor to find the value plan to suit your needs.

If you are over 55 and own your own home, an Equity Release mortgage could help in the form of a tax-free cash lump sum or an income for life, which you can spend on whatever you like.

Release Cash From Your Home
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Equity Release - Release cash from your home

  • Guarantee Income For Life
  • Own 100% Of Your Home
  • Use Cash As You Wish
  • Unlock Tax Free Cash
  • Additional Cash Lump Sum Available

Equity Release Mortgages

Have you equity available in your property that you’d like to access? Are you retired and need to secure a higher retirement income from the equity that has built up in your home over the years? An equity release mortgage is a great way of getting access to cash against the value of your property. Where do you start searching for equity release mortgages with so many options and providers out there? That’s where MoneyExpert comes in. We provide free quotes in minutes, with no obligation to purchase just competitive equity release mortgage quotes to suit your requirements and circumstances.

Make the most of your new found freedom with an equity release mortgage today. We search the equity release mortgage market in minutes of you completing our online application. Our trusted and independent whole of market mortgage business partners will contact you to check all your details and once they know your individual circumstances they can find the best equity release mortgages for you. They provide free advice and quotes and there is no obligation to purchase. You have nothing to lose by applying today. We are free, quick and simple to use and carry out no credit checks when searching the equity release mortgage market.

Has equity built up in your home over the years? Have you retired and now want to enjoy life with a higher retirement income? Obtain a cash lump sum with an equity release mortgage and live life to the full. An equity release mortgage allows access to a percentage of the capital in your home and there are 2 main forms of equity release: home income plan or home reversion.

With a home reversion scheme you sell a percentage of your home to a home reversion company. In return for the ownership of part/or a percentage of your home, the home reversion company will provide a lump sum. Different lenders will offer different equity release percentages. You can continue to live in your property and upon your death the house will be sold and finance to the value of the percentage sold will be returned to the lender.

Finally there is a home income plan which provides the equity release as a regular income and is similar to the other schemes already mentioned.

We will introduce you to a qualified broker who will explain the schemes, discuss your requirements and circumstances and then search the market to find you an equity release solution to meet your needs. MoneyExpert helps by providing fast, free information and quotes, without obligation to purchase. Complete the easy and quick online application and be one step close to an equity release solution to meet your circumstances.

Apply for competitive equity release mortgage quotes today

Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it

Money Expert does not provide advice and you should seek a personal illustration to fully understand all of the terms and conditions applicable in your individual situation.

Frequently Asked Questions

You should note that if you are a director of a company you will not be allowed to sign a Trust Deed. There are also some professions such as in the financial services or armed services where signing a Trust Deed could affect your job. You should refer to your terms of employment or speak to your employer prior to considering this option.
This will depend on the value of your vehicle and whether it is required for travelling to work on a regular basis. If you have a high value car the trustee may order you to sell it and downsize to a more economic model or to use alternative transport.
Any unsecured personal debt can be included. However you may not include debts to family members. Examples on personal unsecured debts would be credit cards, pay day loans, personal loans and overdrafts.
Hire purchase debts can’t be included in a Trust Deed unless the item the loan was secured on has been returned or seized and you only have a shortfall left to pay. Similarly a mortgage shortfall, where you have lost your property but still owe part of the mortgage can be included.
If your circumstances change you must inform the Trustee immediately so they can decide if the Trust Deed can continue at the level of payment you are now able to make. If you are fired or if you get a pay rise you must inform the Trustee and the payments you make will need to change accordingly. If you fail to make the agreed payments you run the risk of the Trust Deed failing.
No you are allowed to keep certain items such as household appliances and children’s toys. Other items are at the discretion of the Trustee. In general the idea is for you to have a manageable standard of living. Similarly your house can be excluded from the trust deed if your mortgage company agrees.
This is up to the creditor. A lot of the time they will not permit you to include this. In the case of Council Tax which has gone to a Sheriff they may stop the diligence and allow you to include it.

Yes you are not permitted to include fines, debts to family members or any item pertaining to fraud such as benefit overpayments. This list is not exhaustive and our advisors are best placed to look at your debts and advise which ones can go in.

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  • Clear your debts without the need for a loan
  • Have one affordable monthly payment
  • Reduce demands from your creditors