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

Why Choose John Whyte Equity Release?

As a specialist in mortgages and equity release, I have been providing independent guidance to clients across Surrey for many years. If you are interested in lifetime mortgages, later life mortgages or home reversion plans I can provide you with the impartial information you need to understand which option may be the most suitable for your needs.

I frequently travel across the county to meet with clients in their own homes, so if you would like advice about equity release in Reigate, Dorking, Tadworth or any of the surrounding areas, please get in touch to make an appointment. Alternatively, I offer free, no-obligation phone consultations to help people understand their potential options – please call me on 01903 890 660 if you have any questions.

How equity release works

Testimonials

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!

Mrs H, Worthing

John was professional and friendly, explained everything very carefully – including any risks – when helping arrange a Lifetime Mortgage with a Drawdown facility. All was smooth and trouble-free. Done in less than 4 weeks at a very good fixed rate. Thank you, John.

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!

Mrs A, Worthing

John was very professional and patient, All the questions I had were explained in a nice relaxed way. I also asked him from the beginning to keep my eldest son Grahame in the loop – which he did very smoothly. and efficiently. The procedure was done very quickly with all parties concerned Solicitors etc… so my thanks to you John for helping my family and I achieve our goals for the future.

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.

Is equity release right for you?

It’s common for people over the age of 55 to have a significant amount of their money tied up in the value of their home, meaning that they cannot use it for other investments. Equity release allows people to take a lump sum or series of smaller financial instalments out of their property so that they can access their money without moving house.

Equity release is frequently used to fund one-off expenses, such as a new car, a big family holiday or significant home improvement. It can also be used to boost lifestyle costs and add to any other retirement income as a way of living more comfortably in later years. Different equity release schemes work in various ways, so it’s important to do your research and seek professional advice about how your finances might be affected in the future, before making a commitment.

I have been working in financial services for over 18 years and have helped countless clients understand their options when it comes to equity release. If you are considering how an equity release scheme might benefit your situation, I would be happy to provide you with an independent assessment to help you make a decision. I can also provide you with a free, no-obligation estimate of the equity you may be able to release from your home. Call me on 01903 890 660 or fill in the form on this page and I will respond as soon as possible.

How much could you release?

Our Case Studies

Excellent
Based on 50 reviews
Jan Godfrey
2022-10-25
Very professional and pleasant to deal with. John took great care to make sure we got the best deal and even nudged our solicitor along to ensure we didn't miss our deadline before the rate went up. Highly recommended.
John Marshall
2022-09-13
Throughout a number of financial arrangements, John has taken us through the minefield of the necessary steps with clear guidance and aplomb. We do recommend his professionalism very highly.
Richard Procter
2022-07-05
From the very first meeting I knew that John would be on my team. He is thoroughly professional but with a light and approachable touch. I would recommend this man highly for his knowledge and expertise. He found us a lifetime mortgage deal when others had turned us away. I’ve already recommended him to my sister. Thank you, John, for all your hard work.
Lorraine Sharp
2022-06-08
I can highly recommend John Whyte 100% .... He is patient, explains in full if you don't understand he will make it simpler to understand. He will NOT leave you wondering what he was talking about. He was never 'pushy' in anyway in fact he was the other way making sure WE were happy with the transaction. John was very quick with replies and was always at the end of the phone. Because we are not really 'techno bods' everything was done the old fashioned way through the post or even hand delivered.I only wish more people were like John. Thank you
Ann Griffin
2022-05-24
I am so glad I contacted John Whyte to guide me through equity release. He made it a very straightforward process and ensured I had a good understanding of what I wanted to achieve and how to do it. Very professional and approachable and responsive. Thank you John I am very happy with the outcome. Highly recommend John.
Margaret Selby
2022-05-17
John is one of the most professional people that I have ever had the good fortune to meet. His attention to detail is outstanding and he always gives off his best. After being given some wrong advice by another company it took longer to sort out my business with John than it would the average person. This was not John's fault. However with Johns help and diligence in guiding me through what was an absolute quagmire I managed to achieve my goal and I have gained confidence in myself to sort out problems. Thank you John for all your hard work in what was a very difficult case.
Rita Lloyd
2022-04-12
John was extremely professional & helpful throughout the whole process It was a pleasure dealing with him. John made the whole process very simple. I would willingly recommend him to my friends for financial advice.
Mark Cherrill
2022-04-07
As a Chartered Financial Planner of 40 years, the knowledge, professionalism and gracious persistence John displayed in executing a legally trying equity release mortgage, was first class.
Wendy Vidler
2022-04-05
Very professional service with a complete knowledge of the various markets and availability of deals. Have already recommended with absolutely no qualms at all.
Gill Baker
2022-02-16
John guided us through the process every step of the way and made it stress free. He gave us invaluable insight to help us make an informed decision. John’s knowledge in this field is second to none and we couldn’t recommend John highly enough.

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