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.

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 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.

Mr & Mrs Smith – Worthing

Thanks John for a professional service,good value for money,amazing patience ,and quick response.Nothing was too much trouble,and your help was invaluable.

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 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.