Hello, I’m John Whyte, Specialist Equity Release Broker in Sussex covering the whole of the UK.

I’ll 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 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.

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.

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.

How equity release works

Mrs W, Worthing

John was fantastic! He was very thorough in explaining every step of the way and very much had my interests at heart. Despite Covid, he sorted the Equity Release very quickly and efficiently. I was extremely happy with his services. If you need to get Equity Release then he’s the man to sort it for you .Thank you John.

Mrs Perkins – Hampshire

First contacted John a couple of years ago for advice which he gave making sure I understood everything. This year I contacted him again regarding equity release and again he was very helpful, made sure I understood everything and kept on top of the transaction. I would recommend him.

Mr & Mrs Harrison, Eastbourne

I first contacted John around 5 years ago about equity release and without fault he has continued to provide upto date market information and support until i finally this year completed my equity release.
I would not hesitate in recommending him and i will definitely contact him for any future requirments.

Mrs Nutbeem, Dorset

Just completed second mortgage guided throughout again by John Whyte. Great expert in his field, and endlessly patient and helpful in securing a really good deal for me. Can recommend him totally. Thanks John.

Ms G from Kent

John was so amazing, throughout the whole process. He is so professional and nothing was ever too much trouble for him. There were a few sticking points along the way, but John was literally there chasing everybody, to get the transaction concluded. Without him we would definitely still be going backwards and forwards!. I would highly recommend John everyday of the week.

Mr & Mrs R from Horsham

John was very professional & explained everything in language that was easy to understand, his presentations were clear and easy to comprehend, he paused frequently, for us to ask any questions, very friendly, and easy one the ear, we did not feel pressurised at all, and everything was documented exactly as per the meetings, after speaking to another Equity Release Company, I would highly recommend John. 10 out of 10 for Service and friendliness.

Mrs Alderman, Surrey

John was recommended by a friend. He was knowledgeable and friendly whilst advising and supporting my mortgage application. He kept me well informed of the process and was proactive in chasing the lender.

Mr S Adams from Eastbourne

Re equity release . John Whyte is a professional in his field , guiding you through all the process, making sure it’s right for you. Highly recommended.

Mrs E, Isle of Wight

It was so nice to be able to deal with someone direct who, let me assure you, has his clients best interests at heart. My equity release had a few delays because of COVID but John was always checking and getting back to me to try to hurry things along. I would and have recommended him to others as equity release can be a tricky field to navigate but John made it all so clear and easy to understand.

Types of Equity Release

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.

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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 TRM Financial Ltd (FCA Ref 725622), an Appointed Representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority (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

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.
To understand the features and risks, ask for a personalised illustration. Think carefully before securing other debts against your home.