Hello, I’m John Whyte, Independent Mortgage Broker, Specialist Equity Release Broker and Will Writer in Sussex covering the whole of the UK.

I am an independent mortgage broker with 25+ years’ experience in the financial services industry, specialising in residential mortgages and equity release plans. Using my unparalleled expertise in this complex sector, I can help you find the most competitive mortgage deals and later life mortgage facilities from all lenders.

A property asset may well be your largest ever investment but obtaining finance for a flat or house purchase, or releasing equity from your existing family home in later life, can be a complicated process that’s hard to navigate on your own. The good news is that there’s a wealth of choice out there and I can give you my personal attention and provide the expert help to guide you through the maze and find a financial solution that is right for you.

We all want to ensure that we pass on our property and other wealth to our loved ones when the time comes, which is why it is so important to write a Will. Sadly, putting it off can result in avoidable tax on death and additional hardship for family members. As a Will Writer, I can work with you and draft your Will to ensure your wishes are conveyed legally and clearly, while minimising your tax exposure.

Is equity release right for you?

As people start enjoying their retirement, many realise that the bulk of their wealth is tied up in the value of their home, preventing them from spending it or using it to invest elsewhere. Equity release is a way of unlocking that money, either in a lump sum or small instalments, to fund your purchases and lifestyle without leaving your home.

Equity release is a long-term financial decision that will have an impact on the value of your home when the time comes to sell, or if you pass away. It’s important to talk with your friends and family and seek professional, impartial advice before committing to a scheme.

Working together, we can discuss your personal circumstances, carry out some formal fact-finding and establish if there is something in particular that you are hoping equity release will help you with. For some people, they want to access some of their home’s value to fund a new car or a holiday, while others simply want to boost their monthly income after retirement. This will help me to research the schemes that are available to make some specific recommendations about which might be the best option for you.

Only once you are completely happy will we complete an equity release application.

How equity release works

John Whyte Equity Release

I have been providing specialist, independent advice about equity release to clients for many years. Based in Worthing, I work throughout Sussex, from Chichester to Brighton, Hove and Eastbourne. Whether you are simply gathering more information about securing finance in later life or are ready to look at possible equity release plans for your home, I would be happy to sit down and help you understand your options.

I offer free, no obligation phone consultations to answer any initial questions you may have. Once you’re sure that you are interested in pursuing equity release further, we can arrange a meeting at our office in Worthing to find a plan that is tailored to your personal circumstances. Alternatively, I frequently travel all over the county to meet clients at their homes if that is more convenient for them and their family. For more details, simply call me on 01903 890660. I look forward to hearing from you.


Mr & Mrs Firth – Shoreham By Sea,

Very happy with the way Mr Whyte carried out our requirements to the very end. He was professional and talked us through the whole process. We will be recommending him to friends in the future.

Mr & Mrs Deacon-Hedges – Hove,

I cannot thank John enough for helping my husband and I start to get a grip on our finances. Like many people we have a mortgage and had not really thought about things. We just paid it without thinking. Life events – my husbands ill health made us take stock. Firstly John helped us with our home mortgage and now he is sorting out our buy to lets. He has been so helpful and really made sure we knew what we were doing. No pressure and each step clearly laid out with time for us to think things through and ask questions. The lifting of the stress it had been causing is great and I feel in control.

Caroline Thomas – Worthing,

We Can Highly Recommend John Whyte
He was very Professional and Caring and guided us through the whole procedure of Equity Release
Myself and My Family are so pleased as it has enabled us to stay in our Home
Many Thanks to you John
Julie and Caroline

Mr & Mrs Hill, Worthing,

John is the consumate professional in this area and really knows his subject inside out. He is always on the ball and constantly ready to chase things through to completion. His friendly manner and great customer service are the icing on the cake. Would recommend John to anyone.

Graham Devenish – Worthing,

Right from the start John displayed a calm, efficient knowledgable persona and helped guide us through the field. Any questions asked were always dealt with quickly and accurately and made for a pain free process. Thank you John.

Jan Godfrey – Rustington,

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 – East Sussex,

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.

Katie – East Preston,

I first saw John in 2019, at that time we agreed that equity release was not for me, however after the covid pandemic my situation changed and I contacted him again, John takes great care to make sure everything is explained fully, I am very pleased with the service provided and confident with my choice.

Richard Procter – Lancing,

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.

Our Case Studies

How much could you release?

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