The advantage of Equity Release for your parents.

Are your parents/grandparents 55 and over? Do they need extra cash for their holidays and for home repairs?

They could consider looking for an Equity release.

What is equity release?

The term equity release is a generic term for products that let homeowners 55+ release the tax-free cash they have locked up in their home.


The Equity release mortgage is an option that provides them with more freedom and a higher standard of living in their later years, as they're able to access equity from their property; often with no monthly payments to make.

If they don’t want to sell their home, they could be able to access a large portion of their money from the property they own. They can consider an equity release arrangement to repay their existing residential mortgage and help funds not only their retirement but also to help their loved ones onto the property ladder.


Equity release can help them raise funds to spend while enabling them to continue living in their home. It can be used for any reason they wish and is particularly useful for covering large expenses.

Are your parents at retirement age and want the most value to get equity out of their home and help you to get on property lader?

Jamie Thunder
Jamie Thunder
We wouldn't hesitate to recommend Your Property Financial to anyone buying a property. We've dealt directly with Paul at all stages, and he's been friendly, knowledgeable, responsive and clear throughout.
Alejandro Gerardo Gomes
Alejandro Gerardo Gomes
Thank you so much Your Property Financial and Paul for all the support, advice and help in our process to buy our home. Paul was very professional, friendly, well knowledgeable on property purchase process, timing on answering our questions and he gave us the best advice. I highly recommend Your Property Financial as your first step before you buy your property as they will explain you all the processes and find the best options available for you and they will guide you all the way until the end of the process. Thank you Paul again ☺️
I couldn't recommend Paul enough. He was straightforward and thorough. He has guided through the mortgage process and helped us revise our offers multiple times.
eleni georgiadou
eleni georgiadou
Paul worked with me and my partner to find the most suitable mortgage and life insurance deals as first time buyers. He has been extremely professional and thorough since day 1, providing information and clarifications in an efficient way. He has also liaised with our solicitors and developer for a smooth and on time exchange without the need to request for an additional extension from the lender. We can’t thank him enough for all his hard work and look forward to working again with him on our upcoming re-mortgage application. We fully recommend his services!
Thor Portess
Thor Portess
Paul assisted me in the purchase and refinance of a property in East Finchley. The process in obtaining the mortgage was smooth and seem less and helped me to purchase the property in a timely manner.
Ioannis Grigoriadis
Ioannis Grigoriadis
Paul has provided us with a great service in a process that is stressful and includes so many variables. His guidance has been invaluable and has led to finding a place we have now moved into and love. He has always been available to talk to us in short notice and gave us ample time to ask questions so that we can feel confident in making informed decisions. He has gone above and beyond and we would highly recommend his services to anyone in the process of buying a home.
Paul Robson
Paul Robson
Paul Tait provided a very thorough service with a great outcome for us. He listened very carefully to us talk about our situation and priorities. Also great at keeping in touch and steering the process to completion in a very tight window. Thanks
Dom P
Dom P
Paul is great to work with. He give you a lot of time to explain things and ask questions and is responsive to emails and calls. He’s helped me from start to finish of a property transaction, from searching to moving it. I’d very much recommend Paul.
Richard Nice
Richard Nice
Paul couldn't have been more helpful and friendly. He clearly outlined all the options for our case (which was not that simple) and put us in touch with some other great people to assist with every process. We're very happy with his service and would highly recommend it.
Lucy Fletcher
Lucy Fletcher
Paul worked with myself and my parents to get us the right deal for our new family home. He was able to get us the mortgage we needed in time for our house sale and was able to help with the solicitor side of things which greatly helped hurry the process along. He was very understanding of our situation and was able to help whenever we needed him. I couldn't recommend Paul enough, I will definitely be using him as my financial advisor again.

You should seek professional advice before proceeding to take out any equity release mortgage as it could impact your entitlement to state benefits.

How does equity release work?

An equity release provider will provide you with either a lump sum or an income in exchange for part of the value of your home. This is achieved either using a type of mortgage or by selling that portion of your home on the condition that you can continue to live there as long as you wish.

Consult with a professional

As independent advisers we provide you with a written recommendation and will let you know if equity release doesn't meet your needs.

Completing the equity release application

We will then submit the equity release application. We will also introduce you to suitably qualified and experienced solicitors to assist with the legal side of the transaction.

Completion / Receive your money

Once the provider has completed their checks, the property surveyed and the solicitors completed the legal work on behalf of you and the provider you will reach completion. The funds are then released directly to you.

What’s the benefit of Equity Release for your parents over 55?

With an Equity Release scheme, they are able to release funds from their property so they have access to them now and are able to spend them as they wish. They also have the choice of no monthly payments, so they can not only enjoy the funds they’ve raised but also do not have to worry about monthly payments when in retirement.


✅Lump-sum of tax-free money.

✅Keep living in their own home.

✅There is no monthly repayment option.

✅Make repayments if they wish.

✅Make a cash reserve available.

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Many people haven’t heard of the equity release yet, but it still remains one of the most cost-effective ways to have their mortgage set up and has multiple benefits to them.

How Equity Release can help your parents over 55?

Repay existing mortgage as they approach retirement.

Now they’re approaching retirement it’s a good time to repay their existing mortgage so they no longer have any monthly mortgage payment to make, as typically their monthly net surplus income will decrease as they reduce their hours or stop working altogether in retirement.

Raising funds to gift and support loved ones onto the property ladder.

Releasing funds to gift to their loved ones to help them onto the property ladder and by gifting now they get to see them enjoy that gift and help them with their financial future.

Fund travelling and holidays in retirement.

Wanted to always book that world cruise? Go travelling for 6 months? Now your parents can sit back, relax and unwind with the available funds to book those trips they’ve always wanted to do!

Provide funds to draw on to top up existing pension & savings income.

Typically as your parents retire their income drops, so by taking capital out of their property they can use that to pay for things and top up their income in retirement.

Reduce your parents' inheritance tax liability.

By gifting early there are potential inheritance tax advantages. We can introduce them to an accountant who can confirm their potential options relevant to their own individual circumstance.

Capital for home improvements.

Need to fix up the house? Need a new bathroom? New kitchen overdue? Now your parents can release the capital required to complete those works so they can enjoy their new home in retirement.

Are you looking for a deposit for your property purchase?

If your parents own their own home and 55+ they maybe able to help raise the deposit for you as a gift.

Even better they won't need to make any monthly repayments!

Let's see how equity release works to help with your property purchase?

Your parents can receive a percentage of the value of their property by doing an Equity Release and giving you part of the tax-free money they raise.

Why choose us

✅Relationships with the mortgage lenders and decision-makers so your application gets treated on merit and not just by a computer making the decision.

✅Qualified and experienced mortgage brokers who are here to help you get the most suitable possible deal - we work for you, not the banks!

✅Access to 90+ Banks, Building Societies and specialist lenders so whatever your circumstance we will know a lender who can consider your application.

✅Access to exclusive "Broker only" rates and products so we can get you the most suitable terms possible for your circumstance.

✅Face-to-face. After your initial inquiry, we will arrange a face-to-face meeting over Zoom.

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This is a lifetime mortgage (home reversion plan). To understand the features and risks, ask for a personalised illustration.  
Your Property Financial Ltd (FCA Number:942504) which is an appointed representative of PRIMIS Mortgage Network. PRIMIS Mortgage Network is a trading style of Personal Touch Financial Services Ltd (FCA Number: 187834) which is authorised and regulated by the Financial Conduct Authority.
The Financial Conduct Authority does not regulate some forms of buy-to-let, overseas and commercial mortgages.
We usually charge a fee for mortgage advice. The amount of the fee will depend upon your circumstances and will be discussed and agreed with you at the earliest opportunity.
Your Property Financial Ltd. Registered in England and Wales company number 12940973. Registered office address 5 Ducketts Wharf, South Street, Bishop’s Stortford, Herts, CM23 3AR.
The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.
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