Hello, I’m John Whyte, Specialist Equity Release Broker covering Caterham 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.
In the later stages of life, people commonly find that they have a significant amount of money tied up in their home, preventing them from being able to spend it. For homeowners over the age of 55, equity release is a way of them accessing some of those funds in a lump sum or ongoing payments, without needing to sell or leave their property.
Some people choose equity release as a way of boosting their retirement income and enjoy a more comfortable lifestyle. Others use it to pay for a one-off expense, such as home improvements, a new car or a holiday of a lifetime. The most important thing to remember is that there are a variety of equity release schemes available and that you should always seek expert advice to ensure that you are making the right commitment for your situation.
I would be happy to assist anyone that is considering an equity release scheme and can provide homeowners with an idea of how much money could be released from their home as well as information about how different schemes might impact them financially. For a free, no-obligation estimate about the potential release from your property, simply complete the form on this page and I will get back to you as soon as possible.
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.
“I was first introduced to John in October/November through my daughter’s Financial Adviser. He visited me with my daughter present to explain what was involved in releasing equity in my property – I had recently been bereaved and did not wish to move house at the present time.
He was very pleasant and the whole discussion was clearly set out as to what was involved and he explained the various stages of the procedure. This was all conducted in a very relaxed fashion – no hard sell, no pressure. We finally agreed on how much equity I wished to release and he set the wheels in motion. I had various papers to find – some of which were available to him there and then – others would be needed further along the line. He advised that I would be hearing from my solicitor and that the financial side would be handled by the recommended lender.
I duly received an acknowledgement from solicitor followed by an appointment with a firm of solicitors near to my home in order to have my identification verified. This was all satisfactory and I was advised that I would received confirmation of my acceptance before Christmas. This I received on 22nd December and the funds were in my bank before the new year. This could not have been easier or executed more smoothly and John was the driver behind this satisfactory conclusion – I enjoyed working with him. There was no pressure (as with double glazing agents!) I wish him well for the future and now I just have to spend my money!
John helped me with my previous remortgage and was so helpful that it was obvious to use his services again. He is always prompt with his help, advice and reassurance when it was needed. I trust his judgement completely and he got me the best remortgage which I am very happy with. So thank you John
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!
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!
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
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.
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.
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 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.