These are Lifetime Mortgage & Home Reversion plans. To understand the features and risks, ask for a personalised illustration.

The guidance contained on this site is subject to the UK regulatory regime and is therefore restricted to consumers based in the UK.

• If releasing equity is not right for you, we will tell you.
  
  
• We will provide fair, simple and complete presentation of the plans available. The benefits, obligations, variables and limitations will be clearly set out in our literature, including all costs which you have to bear in setting up the scheme, the position on moving, the tax situation and the effect of changes in house values.
  
  
• The solicitor of your choice will always perform your legal work. In all cases, prior to the completion of the plan the solicitor will be provided with full details of the benefits you will receive. The solicitor will ensure that the scheme has been explained to you.
  
  
• With Lifetime Mortgages a 'no negative equity' guarantee (i.e. you will never owe more than the value of your home) is provided for your peace of mind.
  
  
• We provide initial advice at no cost and without obligation. ONLY if you choose to go ahead and your equity release proceeds to completion will our fee of £995+VAT be payable.
  
  
• You will have tenure for life and the freedom to move home if you wish. Subject to the conditions of your plan.