FREE BESPOKE ILLUSTRATION BASED ON YOUR PERSONAL CIRCUMSTANCES
MEMBER OF EQUITY RELEASE COUNCIL TO GIVE YOU PEACE OF MIND
INDEPENDENT ADVICE TO ENSURE YOU RECIEVE THE BEST POSSIBLE DEAL
Are you over 55 and worrying about how you're going to cover the cost of your mortgage?
Has your pension pot not returned the funds you needed to pay off your mortgage in retirement?
If you took out an interest-only mortgage some years ago which is maturing shortly, and your ability to repay the original loan has left you feeling that selling the home you love is the only solution, equity release could be an option for you.
Saving all your working life may not have produced the desired pension pot you had hoped for to repay the mortgage, or you may not wish to stretch your over-worked pension to meet mortgage payments.
It could be that your provider has strict affordability criteria which has reduced the maximum loan possible forcing you to consider other options.
Trying to find the right solution on your own can take a lot of time and effort as well as being complicated and confusing.
How do you know this is the most appropriate solution for you from all the advertisements?
How do you know you are getting the best rate for your individual circumstances?
That's where we come in. At Alfred James, we work through your unique circumstances together. Only when we have a full understanding of your case do we research and then recommend the most appropriate and competitive solution from all the later-life lending options.
Whether that solution is a conventional mortgage, retirement interest-only mortgage or an equity release option, all research and unlimited meetings are free of charge and tailored to you. We always ensure total transparency so that you can be completely confident that you understand the product you have chosen, what it will mean to you and for you to have the best possible outcome.
"Very professional approach and review process. Advice is always supported by excellent research and visual /written explanation for the best way to progress. Extensive knowledge of financial decision-making helps ensure that you have the best advice and product. Thoroughly recommend".
At Alfred James we believe in providing all our clients with transparency, peace of mind and protection. That’s why we only recommend products that meet the high standards of the Equity Release Council. Our recommendations will contain all of the following:
A No Negative Equity Guarantee. You will never owe more than the value of your property.
You or your surviving partner can remain in your home you love for life or until moving into long-term care.
There are no nasty interest rate surprises. All cash releases will be fixed for life or until the remaining partner moves into long-term care.
You can move home to any other acceptable property
Alfred James’ qualified advice process is completely impartial and designed to deliver the best possible outcome for you.
All our research and recommendations from the entire market of providers will be the most competitive based on your circumstances.
There is no charge for our research and recommendations along with unlimited free face-to-face meetings to promote a full product understanding.
Producing a no-obligation free personalised illustration tailored to you.
HOW DOES IT WORK?
REVIEW YOUR OPTIONS
First we assess your needs and circumstances
Alfred James will work through all later life lending solutions
Present best solution to help you understand the cost, criteria and effect on estate over time
"Excellent service. Jim has been extremely thorough and we get on very well with him. Plenty of humour. He's become as much a friend as an advisor. We are completely confident that if he does decide we should go down the Equity Release route we'll be presented with the very best option. We are very glad, and thankful, that we found him".
Your home is at risk if you fail to keep up payments on your mortgage or any other loans secured against it.
Equity release may involve a lifetime mortgage which is secured against your property or a home reversion plan which requires the sale of property for a discounted price. To understand the features and risks, ask for a personalised illustration. You only continue to own your own home with a lifetime mortgage.
Equity release may impact the size of your estate and it could affect your entitlement to current and future means-tested benefits. All research and recommendations are free of charge with no obligation to proceed.
James Pedder, trading as Alfred James Financial Services, is an Appointed Representative of New Leaf Distribution Ltd which is authorised and regulated by the Financial Conduct Authority: FCA Number 460421