Unlock Your Home’s Value with Confidence and Control
If you are thinking about taking out an Equity Release mortgage, you’ve probably got a number of questions about how it works, and whether it’s right for you.
For example, although you are keen to access the funds currently tied up in your home, you’ve probably got some concerns about what happens to the ownership of your house or flat, and whether there will be anything left for your family to inherit when you’ve gone.
And you may be worried about losing the ability to move in the future, should you wish to downsize and relocate.
So there is a lot to consider with Equity Release, and if you make the wrong decision you could end up feeling trapped, especially if your money starts to run out leaving you worrying about the cost of retirement.
Fortunately, There’s a Solution.
At EHF Mortgages, we specialise in helping older borrowers like you find the right Equity Release mortgage. Working with every Equity Release lender in the UK gives us unmatched access to products tailored to meet your unique needs.
Our Equity Release mortgage solutions ensure you retain 100% ownership of your property, so you can continue to enjoy living in your home for as long as you wish. And to help you protect your home for future generations, you can even opt to make monthly payments to cover some or all of the interest, slowing down the build-up of your mortgage balance and protecting your future wealth.
Through our relationships with these specialist lenders, we can help you secure the lowest-cost mortgage for any purpose, including the repayment of any outstanding finance or loans, as well as those one-off purchases you always wanted in retirement. Your family could also be early beneficiaries of an inheritance, to help them financially and even give them support with a deposit on their first home.
With EHF Mortgages, you’ll benefit from access to all Lifetime Mortgage Products, we compare every product on the market to find the best option for your needs. We can meet in the comfort of your home, at our office, or online. Whatever is easier for you and your family, with expert guidance at every step. We have a dedicated network of support staff to help us with all your enquiries, ensuring that we can present your case in the best possible way, secure you the best terms and tailor solutions to your needs. And as part of the Equity Release Council we will deliver the very high standards expected by all its members.
And we don’t stop there, as our clients benefit greatly from our advice on specialist insurance, wills and trusts, ensuring that not only your finances are in better shape, but providing you with even more security about your estate and your future.
To learn how we can help you access the equity to let you have a more enjoyable retirement, while protecting your home and legacy, fill out our simple enquiry form or call us at 01245 398466 to schedule a free, no-obligation meeting with one of our equity release specialists.
GET A FREE QUOTEFill out our quick enquiry form or give us a call to set up your free consultation. We’ll help you review your Retirement Mortgage Options including Equity Release
or call us: 020 335 53656
Because we specialise in later-life mortgages, you’ll be able to access deals that aren’t available from most other mortgage brokers or by going directly to lenders.
At EHF Mortgages, we have access to over 100 different mortgage lenders, including those that offer mortgages to older clients and those who have already retired.
By having one of the widest range of mortgage deals across the market, we can find the solution that’s right for your needs both now and in the future.
And by maintaining great relationships with our mortgage underwriters, we know exactly how to ensure your application is assessed by real people who understand what it is like to borrow into your retirement. This means that you will have access to the best products and the greatest chance of success with your application, giving you complete peace of mind that you will be able to continue your mortgage into retirement, and release money for whatever your needs may be.
A lot of traditional lenders will expect you to repay your interest-only mortgage before you retire. But not everyone wants to do this or can afford to, especially when income may be reduced into retirement.
That’s why we offer a range of mortgage options, including highly flexible products where you can choose to pay some, all, or even none, of the interest each month. You can keep the mortgage running for as long as you like and there’s not even any requirement to repay it until after you die.
If you decide to make regular monthly payments, for example, by using your pension or investment income, you could benefit from even lower mortgage rates, allowing you to keep a larger legacy for your children.
Over the last few years, one of the most worrying aspects of having a mortgage has been the speed of mortgage rate change.
Understanding the market can be difficult for many borrowers, especially when your retirement income may not be enough to support your mortgage if rates go much higher.
That’s why we offer the option to fix your mortgage for 10 years, 15 years, or even longer, so as you have the reassurance of knowing exactly what your repayments will be and can budget well into the future.
For many, income in retirement may not be sufficient to meet both current and future lifestyles.
You may also want to support your children and give them a start on the property ladder, or pay off your existing mortgage or other debts to reduce your outgoings. It could be the ideal opportunity to enjoy that big holiday you have always wanted to do.
By releasing equity in your home, you can enjoy the lifestyle that you want without the need to downsize to a smaller home. We help those over 55 to use some of the equity in their home to provide a tax-free cash lump sum or income to help achieve their ideal retirement.
Justin looked after us throughout the whole process. His insight into Retirement Mortgages and the many options available ensured we could make the right decision about keeping our home for the next few years.
Mrs J Sping, ChelmsfordWe didn’t really know how Equity Release worked, but Justin put us at ease and made sure we looked at every option. We were able to borrow enough to pay off our mortgage and have some left over for a well-deserved holiday.
Mr & Mrs Dowe, EssexMy sister was able to afford a home much nearer her family with an Equity Release mortgage that Justin advised on. A throwaway comment at our initial meeting became a real solution to her needs, and once her home was sold Justin made sure she could live just minutes away from us. Exceptional service and so pleased we met with Justin.
Mrs C Taylor,We will find the right solution, so you can secure your home without the hassle.
Call us or complete the enquiry form. One of our advisers will call you back. We don’t have call centres so that adviser will be your point of contact throughout.
We will look across the wide selection of Retirement-based mortgage options to find the best suited to you.
Sit back and relax while we submit your application and all the required paperwork, keeping you regularly updated along the way.
With our help you’ll have the greatest chance of being accepted for the mortgage you need at a competitive rate.
Fill out our quick enquiry form or give us a call to set up your free consultation. We’ll help you review your Retirement Mortgage Options including Equity Release
or call us: 020 335 53656