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equity release lifetime mortgage alfred james financial services

OUR SERVICES

EQUITY
RELEASE

Helping homeowners over 55 make informed decisions about accessing the stored value in their home, advising on Equity Release and Lifetime Mortgages Plans.

Approved member of the Equity Release Council

Equity Release Council Member Alfred James Financial Services
Google 5 Star Review Alfred James Financial Services
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Repay your interest-only mortgage without having to sell your home.

Increase your retirement income

Fund home improvements

Booking that once-in-a-lifetime holiday or just enjoying life

Financially supporting your children and grandchildren

WHAT IS

EQUITY RELEASE

At Alfred James we believe in qualified and sincere equity release advice, promoting a full understanding of the product's advantages and disadvantages.

We provide you with easy access, clear
fair and independent equity release advice from the whole of the market.

Equity Release Council Member Alfred James Financial Services
advantages and disadvantagesof equity release

EQUITY RELEASE

ADVANTAGES

Release of a tax-free lump sum from the value stored in your home.


Access further smaller sums when required via a drawdown lifetime mortgage.

 

No interest repayments
required on the loan unless you choose to make them.


You have the right to remain in your own home for life or until you need to move into long-term care, as long
as your home is your main residence.


No negative equity guarantee, you will never owe more than the value of your home.


You can guarantee a proportion of the home's value for inheritance purposes.

EQUITY RELEASE

DISADVANTAGES

Compound interest, paying interest on interest
accelerates the debt over time.


The value of your estate reduces, and you cannot leave your home as an inheritance
 

Your entitlement to state benefits may be affected.


You will have to pay legal and advisor fees to set up an equity release plan.


Early repayment charges can be significant
 

Other options may be more suitable such as
downsizing, exploring local authority grants, a private family loan or taking in a lodger.

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HOW DOES IT WORK?

Equity Release Council Member Alfred James Financial Services
Equity Release Council Member Alfred James Financial Services
Equity Release Council Member Alfred James Financial Services

STEP 1

REVIEW YOUR OPTIONS

STEP 2

RESEARCH

STEP 3

UNDERSTAND

equity release lifetime mortgage alfred james financial services
equity release lifetime mortgage alfred james financial services
equity release lifetime mortgage alfred james financial services

First, we assess your needs and circumstances. Is Equity Release suitable?

We will research the whole of the later-life lending market to review your options

 We will help you understand the cost, criteria and effect on
your estate over time

BRIDGING
LOANS

WHAT'S THE

NEXT STEP?

Request a no-obligation call back to set up your home face-to-face meeting to discuss your options at a time convenient to you. 

With appointments available across the South West including, Devon, Dorset and Somerset.

Contact us and Jim will be in touch to book your appointment.

equity release lifetime mortgage alfred james financial services
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