Hello, I’m John Whyte, Specialist Equity Release Broker covering Epsom 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 the right choice?

When you reach retirement, it’s common to find that the bulk of your wealth is tied up in the value of your home, particularly if its value has increased significantly since you purchased it. When it comes to accessing this money, many people think their only option is to move to a smaller, cheaper property. Equity release is an alternative to this, allowing homeowners to remain in their home while using a percentage of its value to support their lifestyle or make a big investment purchase. You can read more about lifetime mortgages and home reversion here.

Even if you think equity release is the best choice for you, it’s important to take professional, impartial advice before taking such major action with your finances. This is where I can help, offering qualified guidance to help you understand how equity release may affect your current circumstances.

How equity release works


Mr K Martin – Reigate,

This is the second time that I have used John. I was able to cancel the original Equity Release mortgage and renew at a substantially reduced interest rate. The renewal was complicated by a restriction on the Land Registry and other problems. John acted efficiently and professionally in assisting in the resolution of the difficulties and was always available to guide and reassure. I would have no hesitation in recommending him. I did so in 2016 and I have pleasure in doing so now.

Mrs S, Surrey

“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!

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 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 & 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.

Miss C – London

John is extremely helpful. and made me feel confident throughout the whole process. Despite all the complications posed by the Covid pandemic he managed to keep me focussed and on task.
He turned out to be a real “friend in need” . What’s not to like?

What are the different types of equity release?

In the UK, there are two main forms of equity release. The first and most popular is the lifetime mortgage. In a lifetime mortgage, you take out a long-term loan against the value of your property. The interest is fixed or rolled up, and you don’t need to make any repayments on this loan until you either pass away or move into long-term care at which point the property will be sold.

The second type is home reversion. In this product, the provider agrees to buy a percentage of your property for its current value. This money goes to you – and you are also able to live in the property rent free. When you die or move to long-term care, the provider owns the percentage of the sale that was agreed.

How long does equity release take?

It is important to recognise that choosing equity release is a major financial decision, it takes time for advisors to get to know the details surrounding the clients’ finances to be able to understand the situation and provide the best possible advice. However, once this has been achieved, if the client chooses to move forward with equity release, it might take an average of between 6 and 8 weeks from the point of application for a fairly standard case.

How much could you release?

Our Case Studies

Get in touch

Please get in touch with any questions you may have about the service I provide by completing the form on this page or by calling 01903 890 660.

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

The information contained in this website is subject to UK regulatory regime and is therefore intended for consumers based in the UK