Lumamedia Development Team

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Safe. Secure. Confidential.

UNLOCK TAX-FREE CASH FROM YOUR PROPERTY WITH EQUITY RELEASE

What is the approximate value of your property?

£70,000 - £99,999

£100,000 - £249,999

£250,000 - £499,999

£500,000+

HOW OLD IS THE YOUNGEST HOMEOWNER?

Under 55

55-60 years old

61-65 years old

66-70 years old

71+ years old

WHAT’S YOUR EMPLOYMENT STATUS?

Retired

Employed full-time

Employed part-time

Self-employed

Unemployed

WHAT’S YOUR FULL ADDRESS?

We’ll need the address of your home in order to accurately quote on your property.

ADDRESS LINE 1

ADDRESS LINE 2

TOWN/CITY

POSTCODE

THANKS – WE HAVE ALL WE NEED FROM YOU FOR NOW!

We’d love to have one of our expert advisors give you a call to answer any questions you might have. Please let us know the best way to contact you on the next page.

YOUR CONTACT DETAILS

First name

Last name

Email address

Contact telephone number

Would you like to release the cash tied up in your home?

If you're a homeowner aged 55-85 you could release tax-free cash from your home without having to move.

Ask for a customised quote and find out if equity release could help you to enjoy the money you've made from your home - without having to sell or downsize.

What is equity release?

Equity release is a popular way to free up some tax-free cash from your home without having to sell or leave your property. It allows you to use the value tied up in your home to enjoy some financial freedom.

The cash could help you to clear existing debt, make essential home improvements or fund the retirement you dreamed of. If you're aged 55 or over and the property you own is worth more than £70,000 you could get a free quote on the equity you could release just by filling out our simple form.

Benefits of equity release:

UNLOCK CASH
TIED UP IN YOUR HOME

CLAIM A TAX-FREE
CASH LUMP SUM

SPEND YOUR MONEY
HOW YOU PLEASE

STAY IN YOUR OWN HOME
WITH 100% OWNERSHIP

ADD TO YOUR RETIREMENT
POT & ENJOY!

How does equity release work?

Equity release is classed as a loan rather than income, so there is no tax to pay on the cash you could release. Equity release plans have no set term, and you don't have to make monthly repayments if you choose not to.

The two main types of equity release are Lifetime Mortgage and Home Reversion.

A Lifetime Mortgage is a way of borrowing money against a proportion of your home's value. Plans vary, with some allowing you to draw out cash after taking an initial lump sum, and others allowing you to make regular payments on the interest of the loan. Some plans add a guarantee that ensures you'll leave something behind for your loved ones, or if you're in ill health, some can help you to release more money from your home than a regular plan.

A Home Reversion Plan is where you sell a share of your property's value and then stay in your home - for free - for as long as you want to. You decide the percentage you want to sell, and when the property is sold the equity release provider gets that percentage of the sale price, leaving the remainder to your beneficiaries.

A free quote and expert advice could help you to decide what's right for you.

A range of providers

Costs and interest rates for equity release

As with your original mortgage, there are associated costs with the process of equity release. Costs will vary depending on your plan and provider, but will typically involve the surveyor's valuation fee, legal and lender's fees.

You'll also need to consider the interest rates charged. On a Lifetime Mortgage for example, annual interest rates can be available from as low as 2.54% fixed for life. Customers of a leading provider have received a fixed annual interest rate of 3.69% or lower. The overall cost for comparison is 3.87% APR*.

Interest rates will depend on the provider and the plan taken out. Our equity release partners can help you to find the best rates available to suit your individual needs.

Pros and cons of equity release

Equity release may not be the right choice for everyone. That's why our FCA authorised equity release partners will give you the benefit of clear, personalised expert advice when you enquire. And if they don't think equity release is right for you, they'll tell you.

Your specialist equity release adviser will help you weigh up important issues such as the effect on the value of your estate, your potential future entitlement to means-tested benefits, and inheritance protection. It all helps you to understand what equity release could mean for you, your home, and your finances.