Equity Release

Buying, selling and cashing-in on property assets

Buying a property is likely to be one of your biggest life investments and a valuable retirement asset. Whether you are taking your first steps onto the housing market, investing in a buy-to-let property or holiday home or looking to turn the value of your home into tax-free cash to supplement your pension, you need to understand all of the features and risks.

Our fully qualified mortgage and equity release specialists can cut through the jargon and enticing promotions. We will help you to answer those all important questions, like ‘how much will I repay over the duration of my loan?’, ‘what are the risks with equity release?’ or ‘how will this impact my family’s inheritance?’

Is equity release right for me?

Releasing equity from your home is an important decision, involving a long-term financial commitment. We can talk through your options, explain the pros and cons and risks of:

  • Lifetime Mortgages: these involve borrowing funds against the security of your property. Interest payments are usually deferred until you, the borrow, dies or enters long-term residential care.
  • Home Reversion Plans: these involve selling part or all of your property, receiving the proceeds in cash or as regular lifetime instalments. The property often sells for less than its current market value.

Mortgages and buy-to-let

Because our experienced and qualified mortgage and equity release advisers have what is known as ‘whole-of-market’ knowledge, we are able to help, whatever your financial situation or employment status. We often help clients with poor credit history, debts to consolidate, or people who are self-employed or business-owners, or commercial property investors. We will find you the right mortgage product and provider, based on your desired repayment method.

Trusted and transparent

Albert Goodman chartered financial planners only recommend equity release plans provided by members of the Safe Home Income Plans (SHIP) scheme. What’s more, our advisers are all salaried, which means we always put clients’ interests first and will let you know our charges upfront.

 

Albert Goodman Financial Planning Ltd is authorised and regulated by the Financial Conduct Authority.

 

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