Hello, I’m John Whyte, Independent Mortgage Broker, Specialist Equity Release Broker and Will Writer in Sussex covering the whole of the UK.

I am an independent mortgage broker with 25+ years’ experience in the financial services industry, specialising in residential mortgages and equity release plans. Using my unparalleled expertise in this complex sector, I can help you find the most competitive mortgage deals and later life mortgage facilities from all lenders.

A property asset may well be your largest ever investment but obtaining finance for a flat or house purchase, or releasing equity from your existing family home in later life, can be a complicated process that’s hard to navigate on your own. The good news is that there’s a wealth of choice out there and I can give you my personal attention and provide the expert help to guide you through the maze and find a financial solution that is right for you.

We all want to ensure that we pass on our property and other wealth to our loved ones when the time comes, which is why it is so important to write a Will. Sadly, putting it off can result in avoidable tax on death and additional hardship for family members. As a Will Writer, I can work with you and draft your Will to ensure your wishes are conveyed legally and clearly, while minimising your tax exposure.

What is Equity Release?

Equity release refers to a range of products that let you access the equity (cash) tied up in your home if you are over the age of 55. You can take the money you release as a lump sum, in several smaller amounts or as a combination of both.

If you’re a home owner who is wishing to release some of the value of your own property, then you’ve come to the right place. Some retirees find themselves equity rich but cash poor, and releasing the equity locked up inside your home may be an excellent way to generate additional financial liquidity.

Using my vast industry knowledge and expertise, I can help you choose an equity release plan that’s right for you, leaving you to enjoy your retirement. I’ve prepared a handy guide to answer some FAQs but welcome you to contact me so I can answer your questions personally. To understand the features and risks of your own lifetime mortgage, please ask for a personalised illustration.

How equity release works

Graham Devenish – Worthing,

Right from the start John displayed a calm, efficient knowledgable persona and helped guide us through the field. Any questions asked were always dealt with quickly and accurately and made for a pain free process. Thank you John.

Douglas Mason and Linda Summerfield – Eastbourne,

We were referred to John through a family member. We found him very helpful and very patient in explaining everything to us. There were a couple of hiccups along the way but John dealt with them as quickly as possible and put our minds at rest. We would not hesitate to recommend him to anyone considering Equity Release.

Jan Godfrey – Rustington,

Very professional and pleasant to deal with. John took great care to make sure we got the best deal and even nudged our solicitor along to ensure we didn’t miss our deadline before the rate went up. Highly recommended

John Marshall – East Sussex,

Throughout a number of financial arrangements, John has taken us through the minefield of the necessary steps with clear guidance and aplomb. We do recommend his professionalism very highly.

John Stewart – Middlesborough,

Can highly recommend JOHN,he was first class through out are equity release.Everything was explained in a clear manner and if necessary John was happy to go over everything a second time..Always supportive throughout and always available to offer advice and encouragement.Was quick to react to all eventualities
A gentleman and myself and my wife are grateful for his help.

Katie – East Preston,

I first saw John in 2019, at that time we agreed that equity release was not for me, however after the covid pandemic my situation changed and I contacted him again, John takes great care to make sure everything is explained fully, I am very pleased with the service provided and confident with my choice.

Mr & Mrs Keene – London,

John was brilliant during all phases of our equity release process. Clear, supportive and above all : quick to react to all our various Queries.

Lorraine Peel – Littlehampton,

Always a pleasure working with John informative trustworthy patient I don’t think I could trust anybody else !

Richard Procter – Lancing,

From the very first meeting I knew that John would be on my team. He is thoroughly professional but with a light and approachable touch. I would recommend this man highly for his knowledge and expertise. He found us a lifetime mortgage deal when others had turned us away. I’ve already recommended him to my sister. Thank you, John, for all your hard work.

Our Services

What is Equity Release?

Equity release is a way to unlock the capital tied up in your home in one cash lump sum or in several smaller amounts, or as a combination of both. You can only get equity release if you own your home and are over the aged of 55.

What is an equity release broker?

An equity release broker is a completely independent intermediary for clients seeking to release equity from their property. An equity release broker offers market intelligence and acts as an agent for the customer, providing personalised advice. Equity release brokers make their money by charging a fee or commission for tailored equity release solutions.

What Costs are Involved with Equity Release?

There are costs involved with equity release. These are the fees for independent financial advice, the mortgage lenders charge and the property valuation or survey fee required to get a current market value of your property.

There is also the interest accumulated through lifetime mortgage plans, but this isn’t an immediate cost – it is rolled-up until the end of the loan (when you die), at which point it is payable by your estate.

Do I have to pay tax on the equity released?

No, you do not pay any direct tax on the money you receive from an equity release plan. It is not classed as a capital gain because you are borrowing money against your home. However, if you invest your tax-free cash in ISAs or other savings accounts, you may have to pay tax on any growth. Releasing equity from your house will reduce the value of your estate so it could actually reduce your Inheritance Tax bill when you die.

Excellent
Based on 50 reviews
Jan Godfrey
2022-10-25
Very professional and pleasant to deal with. John took great care to make sure we got the best deal and even nudged our solicitor along to ensure we didn't miss our deadline before the rate went up. Highly recommended.
John Marshall
2022-09-13
Throughout a number of financial arrangements, John has taken us through the minefield of the necessary steps with clear guidance and aplomb. We do recommend his professionalism very highly.
Richard Procter
2022-07-05
From the very first meeting I knew that John would be on my team. He is thoroughly professional but with a light and approachable touch. I would recommend this man highly for his knowledge and expertise. He found us a lifetime mortgage deal when others had turned us away. I’ve already recommended him to my sister. Thank you, John, for all your hard work.
Lorraine Sharp
2022-06-08
I can highly recommend John Whyte 100% .... He is patient, explains in full if you don't understand he will make it simpler to understand. He will NOT leave you wondering what he was talking about. He was never 'pushy' in anyway in fact he was the other way making sure WE were happy with the transaction. John was very quick with replies and was always at the end of the phone. Because we are not really 'techno bods' everything was done the old fashioned way through the post or even hand delivered.I only wish more people were like John. Thank you
Ann Griffin
2022-05-24
I am so glad I contacted John Whyte to guide me through equity release. He made it a very straightforward process and ensured I had a good understanding of what I wanted to achieve and how to do it. Very professional and approachable and responsive. Thank you John I am very happy with the outcome. Highly recommend John.
Margaret Selby
2022-05-17
John is one of the most professional people that I have ever had the good fortune to meet. His attention to detail is outstanding and he always gives off his best. After being given some wrong advice by another company it took longer to sort out my business with John than it would the average person. This was not John's fault. However with Johns help and diligence in guiding me through what was an absolute quagmire I managed to achieve my goal and I have gained confidence in myself to sort out problems. Thank you John for all your hard work in what was a very difficult case.
Rita Lloyd
2022-04-12
John was extremely professional & helpful throughout the whole process It was a pleasure dealing with him. John made the whole process very simple. I would willingly recommend him to my friends for financial advice.
Mark Cherrill
2022-04-07
As a Chartered Financial Planner of 40 years, the knowledge, professionalism and gracious persistence John displayed in executing a legally trying equity release mortgage, was first class.
Wendy Vidler
2022-04-05
Very professional service with a complete knowledge of the various markets and availability of deals. Have already recommended with absolutely no qualms at all.
Gill Baker
2022-02-16
John guided us through the process every step of the way and made it stress free. He gave us invaluable insight to help us make an informed decision. John’s knowledge in this field is second to none and we couldn’t recommend John highly enough.

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Talk to us today about equity release by calling 01903 890660 or by the form below.

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Equity Release Sussex is a trading style of The Later Life Lending Network Limited, an Appointed Representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority (Ref – 649443). Registered in England and Wales no. 09832887. Registered address: 70 St. Johns Close, Knowle, Solihull, England, B93 0NH.

For Independent Equity Release advice we do not charge any upfront fees however,
a fee of up to 1% of the total cash facility arranged is payable (subject to a typical minimum charge of £1,295) on completion for our service in relation to lifetime mortgage contracts plus commission from the lender.

 

The exact amount will depend on the complexity and work involved in your case and will be confirmed by way of a formal fee agreement.

For Independent Mortgage Advice we charge a fee of up to 1% of your mortgage amount payable (subject to a typical minimum charge of £295 payable on application & £300 on completion (£595 in total) plus commission from lender. The exact amount will depend on the complexity and work involved on your case and will be confirmed by way of a formal fee agreement.

The information contained in this website is subject to UK regulatory regime and is therefore intended for consumers based in the UK