When your home holds the key to financial freedom
For many people, their home is their biggest asset — yet their money is locked away in bricks and mortar. An equity release lifetime mortgage allows you to access some of that value, without having to sell or move out.
You might want to help your family, repay existing debts, make home improvements, or simply enjoy a more comfortable retirement. Whatever your reasons, unlocking money from your home can be life-changing — but only if done the right way.
The risks of going it alone
Equity release can be complex, and the wrong decision can have lasting consequences. Without clear advice, you could:
- Borrow more than you really need, reducing your estate unnecessarily
- Pay high interest that quickly grows over time
- Miss out on flexible products that allow repayments or inheritance protection
- Affect your entitlement to certain benefits or tax allowances
It’s also easy to feel pressured by advertising or online calculators promising quick access to cash, without fully explaining the long-term impact. This isn’t just a financial decision; it’s about your quality of life, your independence, and your legacy.
How I will help you
I’m Toby Keate, independent adviser at Taylor James Financial Services. I specialise in helping clients understand and arrange lifetime mortgages - safely, clearly, and with complete transparency.
Here’s how I can support you:
- Take time to understand your goals — whether that’s helping family, reducing stress, or improving your lifestyle.
- Explain all your options clearly — including the long-term effects on inheritance, interest, and ownership.
- Search across the market — finding lenders offering flexible features like voluntary repayments, drawdown options, or fixed early repayment charges.
- Provide full cost illustrations — so you understand exactly how your loan will work over time.
- Handle the application and liaise with solicitors — ensuring the process runs smoothly from start to finish.
You’ll never be rushed into a decision. I’ll make sure you fully understand the implications before moving forward.
Equity release is a highly regulated area of financial advice, designed to protect clients and ensure decisions are made safely and in your best interests. I am fully CeRER-qualified and authorised to provide equity release advice through Taylor James Financial Services, which is regulated by the Financial Conduct Authority (FCA).
I only recommend lenders and plans that are members of the Equity Release Council. This means every product I advise on includes the Council’s guarantees — most importantly, the no negative equity guarantee. This ensures you or your estate will never owe more than the value of your home, giving complete peace of mind.
With these safeguards, you can be confident that your equity release plan is not only suitable and transparent, but also protected by the highest industry standards.
Regulation and your protection
With the right advice, releasing equity can bring real freedom and peace of mind. Working together, you’ll benefit from:
- Access to funds without having to sell or move home
- Flexible features that allow voluntary repayments to manage the loan balance
- Confidence that your mortgage is fully regulated and suitable for your needs
- A clear understanding of how interest works and how to keep control
- One-to-one advice from an adviser who puts your interests first
Ready to explore your options?
Equity release isn’t right for everyone — but with the right advice, it can be the key to financial freedom in later life. Let’s talk about your goals, explore your options, and make sure any decision you make is fully informed and right for you.
Call: 0203 859 3320
Email: contact@taylorjamesfs.co.uk
Please remember: a lifetime mortgage is a loan secured against your home. Releasing equity may reduce the value of your estate and could affect your entitlement to means-tested benefits.
FAQs
A lifetime mortgage is a type of equity release that lets you borrow money against the value of your home while retaining full ownership. You don’t have to make monthly repayments unless you choose to — the loan and interest are repaid when you die or move into long-term care.
Typically, you must be aged 55 or over and the amount you can release depends on your age, property value, and health.
Yes. With a lifetime mortgage, you remain the full legal owner of your property, just as you are now.
Many modern lifetime mortgages offer flexible repayment options — you can choose to pay some or all of the interest to manage the balance over time.
Yes, releasing equity will reduce the value of your estate. However, I can help you find plans that include inheritance protection, so you can ring-fence a portion of your property’s value.
It can. Releasing money could impact means-tested benefits like Pension Credit or Council Tax Support. I’ll help you understand this before you make any decision.
Most lifetime mortgages are portable, meaning you can move to another property as long as it meets your lender’s criteria. I’ll confirm this for you before any application is made.
A lifetime mortgage can also be used to buy a new home — not just to release money from your current one. This can be a great option if you want to move closer to family, downsize, or find a property better suited to your lifestyle, without needing to take on a traditional mortgage or sell assets to fund the move.
FAQs
A lifetime mortgage is a type of equity release that lets you borrow money against the value of your home while retaining full ownership. You don’t have to make monthly repayments unless you choose to — the loan and interest are repaid when you die or move into long-term care.
Typically, you must be aged 55 or over and the amount you can release depends on your age, property value, and health.
Yes. With a lifetime mortgage, you remain the full legal owner of your property, just as you are now.
Many modern lifetime mortgages offer flexible repayment options — you can choose to pay some or all of the interest to manage the balance over time.
Yes, releasing equity will reduce the value of your estate. However, I can help you find plans that include inheritance protection, so you can ring-fence a portion of your property’s value.
It can. Releasing money could impact means-tested benefits like Pension Credit or Council Tax Support. I’ll help you understand this before you make any decision.
Most lifetime mortgages are portable, meaning you can move to another property as long as it meets your lender’s criteria. I’ll confirm this for you before any application is made.
A lifetime mortgage can also be used to buy a new home — not just to release money from your current one. This can be a great option if you want to move closer to family, downsize, or find a property better suited to your lifestyle, without needing to take on a traditional mortgage or sell assets to fund the move.