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


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.

Lorraine Sharp,

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 –,

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.

Steve & Karen Clayton,

Absolutely first-rate service from John.
His expertise is outstanding and related advice so clearly communicated.
John’s attention to detail and his go-the-extra-mile monitoring of the process, made it stress free.
Overall it was a pleasure having John lead for us.

Gill & Phil Baker – Worthing,

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.

Andea Knight – Lancing, West Sussex,

I have recently had dealing with John Whyte regarding Equity Release. John to me through the whole process explaining everything in detail and answering my questions. There were a few hiccups along the way, but John dealt with these in a very professional way and kept me informed. John went above and beyond and I have no hesitation in highly recommending John Whyte.

Mr & Mrs Hilton – Worthing,

With John’s help over a two year period we have managed (finally!) to complete a long term plan to raise a lifetime mortgage secured against our “downsize” home. There were difficulties to circumvent. The property was a new build apartment which we had committed to purchase at the “hole in the ground” stage of a large apartment development. Although that matter had been dismissed as “no problem at all” by other advisers this did turn out to be a real problem in practice – a problem which was further compounded by long delays in the build programme due to pandemic effects on materials and labour availability.

Eventually we had to raise the cash to complete the purchase of the property by liquidating our income generating savings – but we then found, even as 100% owners, that we were still getting multiple rejections from Lifetime Mortgage providers (all of them – as it turned out!). It was John who discovered the cause of these setbacks – a combination of an obscure effect of unintended implications in the drafting of the 1988 Housing Act and the proposed level of ground rent defined in the lease of our downsize property. (This problem should have been discovered by our solicitor before we signed the contract of course – but it was not)

Using his effective relationship with lifetime mortgage providers John managed to persuade a provider to amend their standard lending terms to allow our application to proceed – which I understand is virtually unheard of.

With John’s help we have now completed the final stage of our “later life” financial plan – a lifetime mortgage secured against our “downsize and forever” new home. This has released the cash we had raised to complete the purchase and income streams can therefore now be restored. And we can get on with enjoying the rest of our lives.

If you are considering taking out a lifetime mortgage and seeking an independent adviser with a wide knowledge of the market and with a dedicated application to your requirements (even if these might turn out to be not as straightforward as was expected – as was our case) we would have no hesitation whatsoever in recommending John as an excellent choice.

Derek and Janet Roe – Brighton,

We approached a Lifetime Mortgage with a lot of uncertainty, having spent some time looking up reports and analyses, pros and cons and all manner of comment pieces. It seemed a very daunting process.

Finally we contacted John Whyte and we could not have made a better choice.
He talked us through all the legalise and jargon, pointed out all the plusses and minuses and at the same time made sure that he understood exactly our situation and reasons for the mortgage.

There was no hard sell. On the contrary, he encouraged us to look at all the options and made sure we understood them.

He was at all times clear, friendly and helpful.

Thank you John for guiding us successfully through a process which we had initially approached with such trepidation.

We would be happy to recommend his services to anyone considering a lifetime mortgage.

Terry High – Worthing,

I would like to thank John Whyte for the very thorough, brilliant and professional service he carried out for us. I was kept well informed all the way through the process and any problems were sorted out without delay. I would not hesitate to recommend John to family and friends.

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.
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