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.

About John Whyte Equity Release

I am John Whyte, a mortgage and equity release specialist with over 22 years’ experience providing independent advice to clients across London & South East. Whether you are interested in learning more about lifetime mortgages, home reversions or later life mortgages, I can give you the expert advice you need to make the right decisions for you, your family, and your property.

I am an independent, regulated adviser with a specialty in equity release and later life mortgages. As I have no direct links to any particular mortgage provider you can always be sure you will be getting the best advice based on my up-to-date research and extensive experience of the market. I am a member of the Equity Release Council.

If you would like to learn more about the services I offer please get in touch today by calling 01903 890660 and I will be happy to offer my knowledge and expertise.

How equity release works

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.

Mr & Mrs W, Somerset,

John was recommended to us for his specialised knowledge in the Equity Release field by another professional. We are so glad we followed that advice. Throughout our house purchasing process he was helpful, informative and always friendly. Complications arose on the house seller’s side causing the conveyancing process to become prolonged. However, John not only remained patient and guided us through the stages for securing our loan but he was also proactive in communicating with our solicitor to minimise delays. It was largely due to his perseverance that the the deal was completed successfully. We cannot thank you enough, John, and will happily recommend you to anyone seeking ER advice.

Mr & Mrs Smith, Worthing

Professional service throughout, excellent support, patience and guidance during the whole process. Advice given was honest, open and easy to understand. We would highly recommend John to anyone – moving is a stressful business, but with the service that John offers it is so much easier!

Mr V, Bristol,

John originally arranged an Equity Release for my wife and myself a few years ago and handled everything in a quick and efficient manner, and now after 55 years of marriage and sadly living alone, I decided to take as much equity as possible out of my house.
Taking out a second equity mortgage seemed to throw up every possible hurdle imaginable. John, completely unperturbed, ploughed on in his inimitable and determined manner, finally locating a suitable provider and monitoring the progress of the solicitor he very knowledgeably recommended.
To sum up, John has been the ultimate professional and did absolutely everything to ensure the success of the transaction.
Thankyou John.

Mr & Mrs Y, Lancing

John was extremely thorough in helping us choose an Equity Release plan that suited us both. He was very knowledgeable on the current market and able to get us the what we wanted. He always responded very quickly to any queries we had.

Mr J – Lancing,

John was amazing every step of the way he helped my parents through the process of equity release and made it as stress free as possible, i can not recommend him enough and am grateful for his help in making my parents lives that much easier.
Thank you

Mr R

From the off, John was friendly, professional, responsive and patient. He took the time to explain each step of the process with absolute clarity. Excellent service from start to finish – I highly recommend John.

Is equity release right for you?

More and more homeowners in London over the age of 55 are finding that much of their cash is tied up in their property. London property prices have risen exponentially since the 1990s meaning that many London homeowners stand to benefit considerably when they eventually sell their home. But what can London homeowners do to access capital if they don’t want to move house? Equity release can be a useful way of accessing money tied up in your property, either as a lump sum, in a series of payments, or as a combination of both.

If you already have an equity release plan that would benefit from review, I can also help you with that. You may be unaware, but some older plans aren’t benefitting from the lower interest rates since those policies were taken out and many from the likes of Mortgage Express (now UKAR), Northern Rock (now Papilio UK / Phoenix Group), Portman (now Nationwide), New Life (now L&G) also have no early redemption charge.

Equity release schemes can usually be used for any purpose from funding home renovations and improvements to gifting family members and funding leisure and lifestyle costs. There are various schemes available so it is important to take expert advice before making any commitments to equity release.

How does equity release work?

In general, equity release comes in the form of a lifetime mortgage. This is a long-term loan that is secured against your property and has rolled-up interest which is only re-paid when you die or move into long-term care. At this point, your home will be sold and the money will be used to pay off the loan amount and accrued interest. The specifics can vary depending on the product or scheme that the lender offers.

Is equity release safe?

Equity release is a very highly regulated financial product. It has a number of safeguards in place to ensure that it is as safe as possible for customers. We are members of the Equity Release Council, and we adhere to their rules and guidance. This body is highly professional and makes sure that its members act with transparency and integrity.

How much could you release?

Our Case Studies

Get in touch

If you would like to know more about equity release in London, or you are currently gathering information please get in contact. Fill in the form and I will get back to you.

I don’t charge any up-front fees and meetings are free without any obligation. In our first meeting I will introduce myself, find out more about your circumstances, give you more information about what equity release is and whether or not it is suitable for you.

Call now on 01903 890660 or complete the enquiry form to start exploring your options.

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.