Equity Release Services Reigate

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.

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.

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Case Studies

Mr & Mrs J from Reigate

Property Value of £300,000 with no mortgage outstanding, clients in late sixties, retired, 3 children and 3 grandchildren of varying ages but all of teenager or older. Mr recently had heart bypass surgery and suggested by their children to use equity in their house to keep doing things before it was too late!

All the children being ‘comfortable’ encouraged parents to have a look at equity release which resulted in a modest release of £20,000 to buy a new (nearly new) car and the clients decided to take all their grandchildren on a family holiday to Florida.

A reserve facility was discounted initially by parents but following detailed discussions they decided they could use funds ongoing to support not only their own capital expenditure but also to help their grandchildren with driving lessons, first cars, university, significant birthdays & Christmas celebrations.

Not looking to make any payments just use the ‘traditional’ route of ‘rolled-up’ interest and repayment in full on second death or going into care.

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.

from 15 reviewers

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