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Equity release is a way of releasing some of the funds that are tied up in your home, either to enjoy on personal projects or to help you meet specific financial goals
When you request a quote from us we will first get in touch to take a few details from you. We will then be able to prepare our research and talk through all the possible options with you, not just equity release (if there is a more suitable alternative). It is important to us that you are comfortable and feel absolutely no obligation at anytime.
This is not a sales process, we want to make sure Equity Release is the best thing for you given your circumstances. You should have enough information to be comfortable with the product and to fully understand all it’s benefits, but also any drawbacks or limitations. Once you feel you fully understand how it works and if it can work for you, then we take the next steps. But if you are not happy, or you feel uneasy then you need to be able to say so and not feel any pressure from us at all.
If you are a UK homeowner aged 55 or over, you could use an equity release scheme to raise money against the value of your house while you carry on living there.
The money released can either be received as a tax-free single lump sum or you could choose to take the funds as a steady income for life.
Under a typical equity release scheme, you retain full ownership of your property but borrow money using the house as security, just like a normal mortgage but without paying the capital and interest until you die or when the house is sold.
Many lifetime plans now come with a ‘no negative equity guarantee’ which means customers will never owe more than the value of their home and no debt will ever be left to the estate.
Because the interest and capital are typically not paid until the property is sold, which can be a number of years, the level of debt can build up quite significantly. It is therefore important to fully understand the pros and cons of undertaking an equity release. We can help guide you through the process and understand your exact needs and requirements.
“We would have no hesitation in recommending Quantum Wealth Management for financial planning in retirement. After explaining to Harwin on his first visit of our needs he then went away and looked into various options and best deals on the market for us. On his second visit, he explained all of them in depth and in an easy to understand language. We decided to go down the Equity Release route and Harwin’s customer service was first class. A first-rate experience providing us with all the relevant information to enable us to make an informed decision, and conducted with no sales pressure. On completing forms etc Harwin has stayed in touch via the telephone to ensure that everything was going to plan. Harwin Bosworth was polite, courteous and knowledgeable throughout.” D & S Lunn