Mortgages - Mortgate Brokers, Mortgage Advice, Remortgage Experts and Equity release.

 

At Agents for Homes we have teamed up with, one of the country’s premier independent mortgage brokers, to ensure that our clients receive unrivalled mortgage advice. Our dedicated advisers source mortgages from the entire market; their aim is to find you the best product for your individual circumstances. Now is the time to re- look at your mortgage options. Put us to the test today and you will find that we are one step ahead of the rest.


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Ready for Equity Release?

 

Welcome!
On average, people are living longer than ever before and regularly spend 20 years or more in retirement. This should be a time to reap the rewards of a lifetimes work and turn minds to more enjoyable events. This could include spending more time with children & grandchildren, going on Holiday & Short Lets, a new car, caravan or holiday home. Maybe your home is in need of repair or improvement and you just haven't got the capital to invest. Although house prices are falling, they are still inflated and you may wish to help grandchildren get their foot on the home buying ladder.

Unlock the potential in your home.

Many people in retirement are asset rich but have a low income level due to insufficient pension & investment provision. They are also realising they want to live for now and make the most of their lives whilst still active and able to do so.

We can arrange for you to discuss your options - over the phone or in person. Find out exactly what Equity Release can do for you and discover the hidden cash you can tap from your existing home.

Take the mystery out of Equity Release products and explain them in straight forward, easy to understand terms.

Whatever your financial situation, we'll help you make the right decisions to achieve your goals. It would be our pleasure to serve you.


Contact Grant kangley on 0114 2500050 /077 889 32 889 or email him at enquiries@propertyplus-uk.com


All companies we have access to are authorised and regulated by the Financial Services Authority.


"Trust is a very fragile - takes years to nurture and only a moment to break". 

We believe that our customers' needs are of the utmost importance and we are committed to meeting those needs. As a result, a high percentage of our business comes from existing customers and referrals.

We understand that Equity Release is likely to be one of the largest financial decisions you are going to make for the rest of your life, so it is vital to make the right choices.


We only introduce impartial, independent, whole of market advisers on all matters relating to Equity Release products. You can be safe in the knowledge that your adviser will be fully qualified, holding the CeRER (Certificate in Regulated Equity Release), a professional qualification issued by the Institute of Financial Services.

After gathering information about your current circumstances, we shall make a recommendation. If an Equity Release product is suitable to your requirements we will provide a key facts illustration on the plan recommended and provide you with various options to allow you to make an informed choice.

If appropriate (and/or applicable) we will actively encourage you to involve family members such as children or grandchildren as ultimately your decision may have an impact on their inheritance. Alternatively, if we believe that an Equity Release product is not suitable to your circumstances we will inform you of the reasons why.

We would welcome the opportunity to earn your trust and deliver you the best service in the industry.


We only recommend Equity Release plans offered by providers who are members of the SHIP (Safe Home Income Plans) organisation. SHIP was established to promote plans which offer fair & clear terms and provide a 'No negative equity guarantee'.

Companies recommended include household names such as Norwich Union, Prudential and Standard Life as well as a portfolio of less prominent, but equally as good providers.

What are Equity Release plans?

There are many variations of Equity Relese plans but the two main types are Lifetime Mortgages & Home Reversion Plans.

Lifetime Mortgages are designed to allow you to release some of the capital tied up in your home without the need to take out a traditional mortgage. The amount that can be released depends on your age and the value of your property. The equity released can be used to provide a lump sum, a regular income or a mixture of both. No repayments of interest or capital are required whilst the plan is running and you remain the legal owner of the property. Interest is added to the amount released and rolls up. The amount of cash released & interest accumalated  becomes payable when you either sell the property, die or go into long term care. This type of plan is normally available from the of age 60 but some providers offer terms from age 55.

Home Reversion Plans allow you to sell a percentage or your entire home to a provider in exchange for a cash lump sum or a regular income. If you have sold a 100% stake in your home, your estate would receive nothing from the eventual property sale. If you have sold a 50% share, your estate would be entitled to 50% of the sale price. With this type of plan the reversion company becomes the legal owner of the property and you become a lifetime tenant. As with a Lifetime Mortgage, you would remain in the home until you die (both of you if a couple) or go into long term care. These plans are normally available from the age of 65.

Is Equity Release right for me?

That depends very much on your own individual set of circumstances. Selling your current home and down sizing to a smaller, less expensive property in order to release capital may be the most cost effective approach. You may also have existing savings and investments which could be used as an alternative. You could be in receipt of, or entitled to state benefits that may be effected if you release cash from your home. Grants may be available from the local authority for essential home repairs. Careful consideration should be taken as some of the options will have an impact on what you leave your family as an inheritance. However, Equity Release in some circumstances could reduce an inheritance tax liability should your estate exceed the nil rate band.

What is the next step?

Get in touch with us and we'll help you discover if Equity Release is the right option for you. Your initial consultation is free and if you decide not to proceed you will have paid nothing. If eventually you do decide that an Equity Release plan is right for you, we will make a recommendation and process your application. Once an Equity Release plan completes a fixed broker fee of £590.00 is charged and normally payable via your solicitor.

Please feel free to contact us.      

Disclaimer
Please note that the information on this website is for generic purposes only and should not be construed as advice. A recommendation will only be made once a detailed factfind document has been completed and all relevant information collected.

 

Please take note:- Your home may be repossessed if you do not keep up repayments on your mortgage. Mortgate Brokers and Mortgage Advice - Chesterfield, Sheffield, Dronfield.