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Protect your family and your lifestyle in case of the unexpected

Mortgages

Looking to move home or reduce your current mortgage outlay?

Retirement Planning

We can help you plan by ensuring you have the best pension scheme possible now and at retirement

Investments

With so many choices, leave it to us to help make your money work harder for you.

Commercial

We can support your business development plans with advice on growth, restructure and commercial lending

Your home may be repossessed if you do not keep up repayments on your mortgage

The value of pensions and investments and the income they produce can fall as well as rise. You may get back less than you invested.

Equity release: types of scheme 

There are two main types of equity release: lifetime mortgages, which allow you to borrow money against your house; and home reversion, whereby you sell a share in your house.

Equity Release is a lifetime mortgage or home reversion scheme. To understand the features and risks, ask for a personalised illustration. 

Lifetime mortgages

With a lifetime mortgage, you borrow a proportion of your home's value. Interest is charged on the amount. Under a Lifetime Mortgage you can choose to either pay the interest each month to avoid the debt increasing (Interest Only Lifetime Mortgages) or simply allow it to be continually added to the amount borrowed (Roll Up” Lifetime Mortgage). If the interest is compounded or 'rolled up' over the period of the loan, it may mean your debt would almost double in 11 years at current rates. 

Home reversion schemes

With a home reversion scheme, you usually sell a share of your property to the provider for less than the market value. You have the right to stay in your home for the rest of your life if you wish. When you die or move into long-term care and the property is sold, the provider gets the same share of whatever your home sells for as repayment. For example, if you sold 50% of your property to the provider, it would get 50% of the sale price.

You can take out some lifetime mortgages from the age of 55, but home reversions are available only to people aged 65 or older. Equity release schemes are designed to be a lifelong commitment so it is important to understand all of the advantages and potential disadvantages before you make a decision.

  • Equity release schemes involve borrowing against your home, (or in the case of Home Reversion Plans – selling all or part of your home) and may work out more expensive in the long term than downsizing to a smaller property.
  • Equity release may affect your entitlement to state benefits and grants.
  • Releasing equity will reduce the value you have in your home and therefore the amount of inheritance you will be able to leave. It can also make the process of leaving your property to beneficiaries more difficult – especially in the case of a home reversion plan.
  • Should you wish to end the plan it may be difficult and you may incur penalties to do so.

Wanted to say thank you so much for all your mortgage help and advice over the past few months, you've been brilliant!

Dr Brazier, Liverpool, Sept.2016

Dan cut through the jargon and was always there to respond to my questions; his work has helped my dream of buying a house come true.

S & K Jones, Swansea

The company is first class, discriminating, intelligent, utterly trustworthy and dependable

Maurice, Swansea, March 2017

I had the best possible products tailored for me. I appreciate how much time you have saved me.

Karen, London

Thank you for the excellent service and advice given, you made my journey hassle free and tax efficient, and now very profitable

Steve Allan, March 2018

Daniel never let up and his tenacity was commendable. I was kept informed of our mortgage progress at every stage.

Louise, Swansea

We would just like to thank Dan for all his hard work on this, less than simple, purchase. From the very beginning of this project Dan has shown great professionalism, excellent market knowledge and delivered customer service far exceeding any reasonable expectations!

C. Windsor, March 2019

My critical illness policy covers everything I need and took into account my lifestyle and income - thank you!.

Teresa, Llanelli

Thank you for putting together an investment portfolio of cash, stocks, shares and property.

Geff, Newport

Gary provided excellent advice and assistance with a complex purchase. He understood the timescales and sourced lending when others could not.

James, Swansea

My mortgage needs were not simple to deal with, but Dan’s knowledge and experience really shone through. He was professional in his dealings with me and explained everything to me in a clear and concise way, ensuring I fully understood the mortgage product I purchased.

P Davies,September 2019

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