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Equity Release Advice from a Mortgage Advisor in Essex

Thinking about releasing money from your home? Let’s explore your options together.

What Is Equity Release and How Does It Work?

Equity release lets you unlock some of the value tied up in your home without having to move out or sell the property. It can be used for home improvements, supporting your family, paying off debts, or simply giving you more financial freedom in later life.

I’m Ian Smith, a qualified mortgage and protection advisor based in Essex. I’ve helped clients across the UK decide if equity release is right for them, and if so, choose a product that suits their needs and future plans.

The Two Main Types of Equity Release

Lifetime Mortgage

Home Reversion Plan

You borrow money secured against your home, but you still own it. The loan is usually repaid when you pass away or move into long-term care.

If either of these might suit your goals, I’ll explain what to expect and how each option would work for you.

Why Speak to a Mortgage Advisor?

Equity release is a big decision, and not one to take lightly. I’m a whole of market mortgage advisor, which means I can access a wide range of lenders and products. My advice is always personal, clear, and based on what’s right for you.
You’ll never be rushed or pushed into a choice. I’ll talk things through at your pace and answer any questions you or your family may have.

Why People Choose to Release Equity

To improve or adapt their home

To support children or grandchildren

To clear an existing mortgage

To free up money in retirement

To cover major costs such as healthcare or travel

Whatever your reason, I’ll help you understand your options clearly and guide you through the process if you decide to go ahead.

What You'll Get When You Work With Me

Personal advice based on your financial goals

Honest, easy-to-follow explanations

Access to trusted lenders offering equity release products

Help with the application and paperwork

Family-friendly advice that includes inheritance considerations

Appointments by phone or video

Equity Release FAQs

Will I still own my home?

With a lifetime mortgage, yes. You remain the full legal owner. Home reversion plans involve selling a share of your home, so that’s something we’ll talk through clearly.

How much equity can I release?

That depends on your age, the value of your property, and the product you choose. I can help you get an accurate idea of what’s possible.

Is equity release safe?

Yes, if done with proper advice. I only work with lenders regulated by the Financial Conduct Authority and registered with the Equity Release Council.

Will equity release affect my benefits or inheritance?

It can, depending on your situation. That’s why it’s important to get full advice before making a decision.

Let’s Talk About Your Equity Release Options

If you’d like to explore whether equity release is the right step for you, I’m happy to help. You can book a call using the appointment tab or ring me directly on 01708 535 946

01708 535 946