Your friendly, independent equity release broker

Helping you choose an equity release plan that's right for you, leaving you to enjoy your retirement

Senior couple and financial advisor

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 or, in several smaller amounts or as a combination of both. Learn more...

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Ask How Much You Could Release

Why not use our simple form to see how much equity you can release from your home?

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Hello, I'm John Whyte, Mortgage and Equity Release Broker in Sussex & South East

Helping you choose an equity release plan that's right for you, leaving you to enjoy your retirement

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. Currently with the interest amount fixed at very low rates for life, now maybe a good time to release the equity locked up inside your home..   

 

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Mortgage and Equity Release Experts

What Can My Equity be Used For?
Mortgage Payoff Tips

Paying an Existing Mortgage

Pay off or replace your existing mortgage which may be due to mature soon

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Home Improvement

Funds can be used for replacement kitchens, bathrooms and extensions

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Family Gifting

Why miss out on seeing your family enjoy putting their inheritence to good use

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Lifestyle

Make life more comfortable and upgrade your car to a newer model

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Inheritance Tax Planning

Shift asset value of your property to possibly reduce the tax payable

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Leasehold Extension

Use a mortgage or release equity to fund a Lease Extension on your property.

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Read Some Of Our Client Testimonials

Peter Garcia

From the beginning, John has gone out of his way to be accommodating to our needs.  Quick response times, helpful service and continual follow up after completion.  I would highly recommend his services to anyone looking for a mortgage product.

John and Annette Thomas

John has been of great help to us as we negotiated equity release. His advice helped us to see our way through quite a complicated choice. He has always been very professional helpful and there when advice was needed. We will recommend his services to others.

Fred and Karen Blunden

I would highly recommend John he helped us with our remortgage, John is extremely good always there nothing is ever a problem he has given us an excellent service, John it’s a  pleasure to do business with again.

Find Out How Much You Can Release

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Case Studies

Mr & Mrs B from Sussex

Aged 70 & 74. Property Value £165,000 (2007). An initial release of £26,400 for debt consolidation, minor home improvements, holidays for the year ahead and Birthday/Christmas spending on their family. Further (annual) sums have since been drawn to continue provision for the annual costs of holidays, birthdays and Christmas presents for their every growing family.

Mr & Mrs B from Sussex

Aged 70 & 74. Property Value £165,000 (2007). An initial release of £26,400 for debt consolidation, minor home improvements, holidays for the year ahead and Birthday/Christmas spending on their family. Further (annual) sums have since been drawn to continue provision for the annual costs of holidays, birthdays and Christmas presents for their every growing family.

Mr & Mrs P from Hampshire

Aged 67 & 65, Property Value £300,000 outstanding mortgage of £56,000 with a term due to expiry, Other debts of £17,000, Total Monthly Cost of £540. Total Release of £74,500 to repay in full all debts and initial set up costs, interest to be serviced as equivalent monthly cost is lower at circa £400pm and capital ultimately repaid on death from the estate.

FAQs for An Equity Release Broker

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. Learn more...

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.

What is an equity broker?

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

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.

Latest News & Articles

John Whyte

I am highly experienced in the fields of mortgages and equity release and understand the importance of talking to you in plain and simple English. I will be on hand throughout the entire process and will explain any effects to your state benefits and how they can be minimised.

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Services We Provide

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Contact

01903
890 660

Please call me on the following telephone number.

07734
412 835

Alternatively, you can also contact me on my mobile.

 
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John Whyte is a member of the Equity Release Council and an introducer to The Right Equity Release Ltd which is Authorised and Regulated by the Financial Conduct Authority and entered on the FCA register under reference 521283 at https://register.fca.org.uk/

The Right Equity Release Ltd is Registered in UK, Company No. 07166676 , Registered Address:  Croft House, 21d Station Road, Knowle, Solihull, West Midlands, B93 0HL.

The information contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.

Should you have cause to complain, and you are not satisfied with our response to your complaint you may be able to refer it to the Financial Ombudsman Service, which can be contacted as follows:

Exchange Tower, London, E14 9SR, Tel: 0800 023 4567 or 0300 123 9 123

www.financial-ombudsman.org.uk

from 11 reviewers

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