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

What are the options for equity release?

There are two options for equity release; lifetime mortgages or home reversion plans.

As long as the property is your main residence, a lifetime mortgage allows you to take out a mortgage while continuing to live there and retaining ownership. If you wish to ring-fence some of your property’s value for your family’s inheritance then you can do so, and you can decide to make interest repayments or to let it roll-up. The loan amount plus any unpaid interest will be payable when you move into long term care or pass away.

With a home reversion plan, the scheme provider will buy a percentage of your home in exchange for a lump sum or regular payments (like a lifetime mortgage, you can still ring-fence a portion for inheritance). This percentage will remain fixed, unless you decide to release further equity. You can continue to live in the home without paying rent until you move into permanent care or pass away, at which point the property will be sold and the proceeds are divided according to the proportions of ownership.

How equity release works


Douglas Mason and Linda Summerfield – Eastbourne,

We were referred to John through a family member. We found him very helpful and very patient in explaining everything to us. There were a couple of hiccups along the way but John dealt with them as quickly as possible and put our minds at rest. We would not hesitate to recommend him to anyone considering Equity Release.

Mr & Mrs Howard, East Sussex,

John was thoroughly professional throughout the process which went very smoothly and very quickly. John supported us throughout and gave great advice and information as we progressed the application. At all times John communicated clearly, promptly and when necessary chased the other parties involved. We would highly recommend John if you are considering equity release.

Mr S Adams from Eastbourne

Re equity release . John Whyte is a professional in his field , guiding you through all the process, making sure it’s right for you. Highly recommended.

Mr & Mrs A, Eastbourne

John made the process of equity release so easy, keeping in contact every step of the way. I would highly recommend him if you are looking for equality release or mortgage advice

Mr & Mrs J, Ferring, West Sussex

We were considering Equity release. John made the whole process completely painless, guiding us through all the options available leading to a satisfactory conclusion, Would not hesitate recommending.

Mr & Mrs Harrison, Eastbourne

I first contacted John around 5 years ago about equity release and without fault he has continued to provide upto date market information and support until i finally this year completed my equity release.
I would not hesitate in recommending him and i will definitely contact him for any future requirments.

Mrs R – Peacehaven

I had the pleasure of employing John Whyte for releasing equity on my property. I was very impressed with the advice, efficiency, friendliness and quick service that entailed. I was kept informed and up to date on a regular basis. He was knowledgeable and was always on hand to offer any information or advice as the process went forward, with no problems or delays. Professional and friendly service – I would highly recommend.

Mr & Mrs C – Worthing

We cannot speak highly enough Of John Whyte’s assistance and professionalism during our recent equity release.

We would not hesitate in recommending him to anyone who asked.

Martin and Eileen Cassillis

How do you know if equity release is the right choice?

As with any significant financial decision, before committing to equity release you should always seek professional, impartial advice from a regulated specialist, which is tailored to your personal circumstances.

Read more

Am I eligible for equity release?

Some people believe that the qualification for equity release is complicated – but in fact it is very simple. Firstly, you must be at least 55 years old, and you must own a conventional home in the UK that has a value of £70,000 or more.

How much can I borrow?

The amount that can be borrowed using equity release depends on a range of factors. Some of the most important factors include the current value of your property, you and your partner’s age and health, as well as the details of the scheme offered by the lender. There may be other factors included such as medical conditions and lifestyle choices might also be a factor.

How much could you release?

Equity Release: What will you use it for?

To pay off an Existing Mortgage

Thousands of homeowners across the UK have interest-only mortgages that are due to mature. If you don’t currently have means to repay the capital balance that’s outstanding, or can’t afford to switch to capital repayment, equity release may help.

To Release Cash

Are you hoping to “future-proof” your home with a conversion or refurbishment? Maybe it’s time to replace your car with something more efficient? Releasing equity in the form of a lump sum could give you the cash injection you need.

For a Family Holiday

Lots of people hope to enjoy your retirement with plenty or travel and relaxation. If you’ve found that your income has reduced but your leisure expenses have gone up, equity release might be the perfect way to fund that holiday of a lifetime.

Our Case Studies

Get in touch

If you are currently living in, or near, Eastbourne and would like to set up a free initial consultation with no obligation, please get in touch. I would be happy to help you understand the options available and how they might be able to support your plans for the future.

Based on 50 reviews
Jan Godfrey
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
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
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.
Margaret Selby
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
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
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
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
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