We are Independent ‘whole of market’ financial advisors with our Head Office based in Oxfordshire. We have a wide geographical spread of both financial advisors and will writers. Whether you are looking for a mortgage, pension, investment, personal or general insurance, our fully qualified and regulated advisors can find a product best suited to your needs.

Our friendly and personal service will make the, sometimes difficult, process run as smoothly as possible for you. From our first discussion to completion, our aim is to provide you with excellent, personal customer service and to forge a long lasting relationship.

No matter where you are based, we can provide you with the kind of service that you would expect to receive from your professional advisor.

Appointments can be conducted by phone, in our office or at your home or workplace at a time that best suits you.

If you wish to make an appointment or simply want some further information, please do not hesitate to contact us on 01865 959099 or fill in your details on the Contact Us page where one of our advisors will return your query within 24 hours.

Equity Release

Equity release allows you to release cash from your property without the upheaval or expense of moving home. To be eligible for one of these plans, you need to be a UK homeowner aged 55-95. The money you release can be spent in any way you like and, what's more, there are typically no monthly repayments to make. And there’s no need to worry about the longer term: you can stay in your home for life, or until you decide you want (or need) to move.

What types of equity release plans are available?

There are many equity release plans on the market, so it’s vitally important to seek independent, expert advice from a company that will compare the whole market to find the right deal for your circumstances.

There are two main types of equity release plan:

With a lifetime mortgage, you take out a loan, secured on your property, and receive that amount as a tax-free lump sum. You do not usually make monthly repayments. Instead, the interest “rolls up”, and the loan plus interest is repaid after your death, when the property is sold.

With a reversion plan, you sell all or part of your home in return for a tax-free lump sum and a guaranteed lifetime lease, with no monthly repayments to meet. After your death the house is sold, so the lender gets back its percentage share.

Save money with a drawdown plan

If you are considering releasing the cash out of your home, you might want to consider taking out a plan with a drawdown facility. This flexible type of equity release plan allows you to “draw down” the funds over a period of time, as and when you need it.

What else should I know?

Thousands of homeowners have already unlocked the cash tied up in their homes to give themselves a much-needed cash boost. However, it’s important to remember that taking out any kind of equity release plan may reduce the value of your estate. It might also affect your entitlement to state benefits.

Is there anything else to consider?

Many equity release providers are members of the Equity Release Council, which has a Code of Conduct to help ensure your financial safety. If you’re considering taking out an equity release plan it’s worth seeking out plans approved by the ERC.

Equity Release may impact the size of your estate and it could affect your entitlement to current and future means-tested benefits