Equity release with OneFamily

Release equity from your home to live life the way you want. You'll need a specialist adviser to do this - and that's where OneFamily Advice can help

What is equity release?

Equity release is the process of unlocking part of the value of your home into cash.

You can use the money however you like, including to pay for home improvements, help family members to buy a home, or to supplement your retirement income.

If you’re 55 or over you could be able to release equity using a lifetime mortgage, which is a loan taken out against your home. You continue to own your home, and you can stay living in it for as long as you like. The loan is repaid from the sale of the property when you die or enter long term care.

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How much money could I release?

Our free equity release calculator will give you an idea of how much tax-free cash could be unlocked from your home. It takes less than a minute to fill in a few details and you can see an estimate of the amount that you could release. The maximum amount primarily depends on your age and the value of your home.

Please note, amounts will vary depending on individual circumstances.

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Maximum loan amount:

By providing your details you are giving us consent to contact you with equity release information. Read the OneFamily Privacy Notice.

Important: The loan amounts above are an illustration of the amount you could borrow. The actual amount may vary depending on your individual circumstances. The figures are not guaranteed and do not constitute an offer to lend. The loan amount will need to pay off any existing mortgage secured against the same property.

How do I release equity?

Equity release is a big decision, as it reduces the value of your estate and the inheritance that you can leave to loved ones. It can also affect your tax position and your eligibility for means-tested benefits.

That’s why you should speak to an equity release adviser before you make a decision. They will take the time to understand your financial situation, tell you whether it’s right for you and recommend equity release products that are a good fit for your needs.

Introducing OneFamily Advice

Our specialist regulated advisers will ensure that you clearly understand the implications of equity release, and take the time to understand your individual circumstances before making their recommendations. They’re salaried rather than working on commission, so they only have your best interests at heart.

Here's what makes OneFamily Advice different:

Video conferencing

Connect with our advisers through online video conferencing. Taking out a lifetime mortgage is a big decision, so get your family involved.

There is no limit to how many people can attend the video conference, giving you the opportunity to invite family members along to ask questions.

Fixed fee

We provide advice for a fixed fee of £950, paid on completion, no matter the size of the loan.

Other providers often charge a percentage of the loan, meaning it’s not always obvious how much you’ll end up paying. Find out more and see how we compare.

Whole-of-market advice

Our advisers search the whole market and assess every available lifetime mortgage. Our lifetime mortgage advice service can save you a great deal of time and money as we'll research all available providers and only recommend the best value product that is most suited to your needs.

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Speak to one of our advisers today

Give us a call for a chat about how a lifetime mortgage works, and ask any questions you might have.

In your free initial consultation your adviser will check you meet the basic criteria for a lifetime mortgage and ask questions to understand your current circumstances, should you wish to proceed.

Call OneFamily Advice

0800 144 8244*

Alternatively, book a time that works for you.

Book a consultation

*Lines are open Monday to Thursday 8am to 6:30pm, Friday 8am to 5:30pm and Saturday 10am to 2pm. Calls may be recorded and monitored for training purposes. Calls to freephone numbers are free from UK landlines and personal mobile phones. With business mobiles the cost will depend on your phone provider. If you'd like to know more, please ask your provider.

We're members of the Equity Release Council

All our advisers are members of the Equity Release Council and following strict guidelines, so you will be in safe hands. We will never suggest equity release, unless it’s right for you.

Look out for the Equity Release Council logo when choosing your product.

Useful articles, guides and tools

Get a free equity Release eGuide

How Equity Release & Lifetime Mortgages have changed

Lifetime Mortgage Advisers Anna and James discuss how the industry has changed over the last 15 years to the benefit of consumers.

Transcript

OneFamily Advice is the trading name of OneFamily Advice Limited. OneFamily Advice Limited is registered in England and Wales at 16-17 West Street, Brighton, BN1 2RL registered number 09188369 and is authorised and regulated by the Financial Conduct Authority.