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If you are 55+ and own your home with or without a mortgage, you may be eligible for an equity release plan. Equity release plans allow you to release part of the value of your home as a tax-free lump sum, or a series of smaller sums taken out over a particular length of time.
Leedsmoneyman specialises in providing a holistic service with mortgage advice in Leeds from qualified and experienced later life mortgage advisors. This is backed up by an efficient team of case managers, to make sure your plan is put in place as quickly as possible and to keep you informed every step of the way.
Your later life mortgage advisor in Leeds will look in depth at your current circumstances, your past experiences and your hopes and plans for the future. This allows them to identify whether equity release in Leeds, or an alternative, is right for you.
If it is the right step for you to take, it also allows your later life mortgage advisor to find the most suitable product to suit you both now and in the future from the whole of the market.
There are two main types of equity release in Leeds – the lifetime mortgage which is available from 55+ and the home reversion plan* (which involves selling all or part of your home).
Whether you want to raise money to help out children or grandchildren, repay existing mortgages or other debts, carry out home improvements or boost your retirement income to cope with increased costs of living, our experienced, friendly advisors can help you achieve your aims.
A lifetime mortgage in Leeds allows you to release tax-free money from the value of your home. You will retain 100% ownership and you can stay in your home for the rest of your life.
Normally, a lifetime mortgage in Leeds is repaid from the sale of your home after your death or going permanently into care (with two borrowers this applies to the last survivor).
In recent years, lifetime mortgages in Leeds have become much more flexible including options to make voluntary payments, monthly interest payments and move your mortgage to another property.
For further mortgage advice in Leeds regarding equity release in Leeds, it is worth seeking the advice of a specialist in the field.
Get in touch with a mortgage broker in Leeds and we will book you in with one of our later life mortgage advisors to discuss your options for releasing equity in Leeds.
To understand the features and risks, ask for a personalised illustration. Equity Release may come in the form of a lifetime mortgage or home reversion plan.
A lifetime mortgage may impact the value of your estate and it could affect your entitlement to current and future means tested benefits. The loan plus accrued interest will repayable upon death or moving into long term care.
A home reversion plan involves selling all or part of your home to a plan provider in exchange for a tax-free lump sum.
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The fee is up to 1% but a typical fee is £995.
You should always think carefully before securing a loan against your property.
A lifetime mortgage will reduce the value of your estate and may affect your entitlement to means tested benefits.
Clearing existing mortgage with a lifetime mortgage may result in higher cost of borrowing.
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When you schedule a free initial mortgage appointment with our laterlife mortgage advisor in Leeds, we will engage in a thorough conversation regarding your objectives and strategies concerning inheritance.
While equity release and lifetime mortgages remain viable options, we consider them as last-resort solutions. Our belief is that there might exist a more suitable alternative tailored to your specific circumstances.
Knowing the significance of later life mortgages, we strongly encourage you to involve your family members or other trusted individuals in our discussions.
In the event that equity release is determined to be either suitable or unsuitable for your needs, our knowledgeable later life mortgage advisors in Leeds will direct you to the appropriate services that can further assist you in devising your plans.
Your family is always welcome to be part of the advice process and we will always accommodate clients’ different needs and circumstance if we possibly can.
After your free equity release and lifetime mortgage advice appointment, we will go and search for the perfect lifetime mortgage deal in Leeds that matches your personal and financial situation both now and how you anticipate this changing in the future.
We will be there for you through the whole process. With our continuous guidance and support, we will get through the mortgage journey together, aiming to take out all of the stress involved with the process.
A trusted mortgage broker in Leeds, we have been helping customers achieve their mortgage dreams for the last 20 years and counting.
We bring the same passion and dedication to providing the best, whole of market lifetime mortgage advice in Leeds for our valued older clients.
We always do our best to overcome every mortgage hurdle that we are faced with no matter how hard the situation is; we love a good challenge! We work for you (the customer), and no matter what, we always have your best interests at heart.
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Leedsmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Leedsmoneyman 2009–2026
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Leedsmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Leedsmoneyman 2009–2026
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