Hello, I’m John Whyte, Specialist Equity Release Broker covering Croydon and 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.

Is equity release right for you?

An increasing number of homeowners in Croydon over the age of 55 are finding that a significant amount of their money is tied up in the value of their home. Where house prices in the area have risen dramatically over the last twenty or thirty years, those fortunate enough to have a property in Croydon are finding that their home is worth substantially more than they paid for it, but have no way of accessing those additional funds without selling.

Equity release can be a useful way of using some of the capital invested in your home without having to move house, allowing you to draw a lump sum, a series of payments or a combination of both. This then allows you to invest in home renovations, give gifts to family members or pay for leisure and lifestyle costs.

How equity release works


Mr M, Croydon

John did a terrific job in helping me to change from residential to buy-to-let mortgage. He listened to my wishes and acted promptly – all very professional and straight forward!

Highly recommended and I would use him again in the future!

Mx E & Mr L – London

John has been absolutely fantastic in helping us buy our first house. He is extremely helpful and works in a professional & friendly manner. During our time working together, we have been impressed by his work which has always been to a high standard: prompt, accurate, and full of clear and useful information. We have had a seamless journey with John, and would very much recommend him to prospective clients, and have already recommended him to our peers. Thanks John!

Ms S, London

John was very professional throughout my process of equity release. I had interviews with other representatives and John surpassed them all. I would recommend John to anyone who mentions equity release to me. Thank you John very much.
From a very satisfied customer

Mr & Mrs D, Walton-On-Thames

John was a really nice guy. He explained everything clearly which made our decision to go for the equity release very easy even though he did have to go through the process twice, because the first lender turned us down.

Mr & Mrs W, London

John was very approachable from the very first time we spoke and he continued to be extremely professional and very reliable. We were so happy to have had John assist us with the equity release. WE genuinely highly recommend him. Thank you John.

Am I eligible for equity release?

It is commonly believed that there are many complexities revolving around qualifying for equity release, but this is not the case. Eligibility criteria for equity release is simple: you must be at least 55 years old, and you must own a conventional home in the UK which has a current value of at least £70,000.

How much can I borrow?

There are some factors determining how much you can borrow through an equity release product. Specifically, these include the value of your property at present, you and your partners age and health. There may be other specifics detailed by the scheme that you are interested in, and these can include medical conditions, lifestyle choices and more.

Working with John Whyte Equity Release

There are numerous equity release schemes available so consulting with a regulated professional is essential before making a commitment. By working together, we can find the scheme that fits best with your lifestyle needs and financial situation. This also applies to homeowners that already have an equity release plan but would like their terms to be reviewed to see if a better interest rate is possible.

I have been providing financial advice for over 18 years, and offer clients specialist, independent guidance about equity release all across London and the South East. Whether you are interested in lifetime mortgages, home reversion plans, later life mortgages or simply a bit more information about your options, I would be happy to help.

How much could you release?

Our Case Studies

Get in touch

If you have any questions about equity release in Croydon, please get in contact. You can call me on 01903 890660, email me on john.whyte@therightequityrelease.co.uk or complete the form on this page I will get back to you as soon as possible.

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