Equity Release

Unlock the financial freedom you deserve with Equity Release Hertfordshire from Strategy Mortgage Solutions. Our specialist team helps you to release equity from your home, giving you the flexibility to fund your retirement dreams, support your family, or simply enjoy life to the fullest, all whilst remaining in your cherished property.

 

Let's Talk

Curious about Equity Release? Speak with a friendly equity release adviser at Strategy Mortgage Solutions today and discover your options.

 

 

What Is Equity Release?

Equity Release is a financial product that enables you to access a lump sum, regular income, or both from the value of your property, while still living there. The money is tax-free and can be used any way you choose, from home improvements, helping loved ones, to supplementing your retirement plans. The most common option is the lifetime mortgage.

Is Equity Release Right for You?

If you are aged 55 or over and own your home, Equity Release could be a practical way to access the value tied up in your property, without needing to sell or move. Whether you want to clear an existing mortgage, gift funds to your children, or boost your retirement income, our expert team at Strategy Mortgage Solutions can guide you through all aspects of later life lending and over 55 mortgages, making sure you make the best decision for your unique circumstances.

 

 Elderly couple embracing in a cozy home setting, symbolizing equity release support.

How Does Equity Release Work?

Equity Release allows homeowners aged 55+ to unlock money from their homes without moving. The most popular form is the lifetime mortgage, which lets you release equity from your home as tax-free cash.

Here's how the process works

  • Complete a simple online enquiry form or call our local team.
  • Speak with a qualified equity release adviser from Strategy Mortgage Solutions.
  • We search the whole market, including exclusive deals, for a retirement mortgage that best suits your needs.
  • Your adviser explains the recommendation and answers your questions.
  • When you are ready, we manage the application process with the lender.
  • We'll support you from application to completion, ensuring a seamless experience.
     

With our thorough FCA-regulated advice, you're in safe hands from start to finish.

 

Lifetime Mortgage

A lifetime mortgage is the most popular way to release equity from home. It is a secured loan against your property with no required monthly payments, unless you decide to make voluntary repayments. The loan and interest are typically repaid when you pass away or move into long-term care. You remain the legal owner, and there are safeguards like the no negative equity guarantee for peace of mind. Strategy Mortgage Solutions makes sure you get clear, complete equity release advice at every step.

How Much Can I Borrow with a Lifetime Mortgage?

The amount available through equity release depends on several key factors:

  • Your age
    The older you are, the more you can usually borrow.
  • The value of your home.
  • Your health and lifestyle
    Certain conditions may enable a higher release. Most providers offer between 20% and 60% of your property's value. You must be at least 55, and the home must be your main UK residence.

Pros of Lifetime Mortgages

  • Stay in your home: No need to move or downsize.
  • Tax-free cash: Use for any purpose.
  • No monthly repayments: Unless chosen voluntarily.
  • No negative equity guarantee: You'll never owe more than your home's value.

Cons of a Lifetime Mortgage

  • Interest compounds: The debt can grow over time if unpaid.
  • Reduces inheritance: The loan is repaid from your estate.
  • Early repayment charges: Some plans penalise early repayments.
  • Impacts means-tested benefits: May affect eligibility.
  • Set-up fees may apply: Including valuation, legal, and advice charges.
 

Speak to Our Team About Equity Release

Take control of your financial future with expert equity release advice from Strategy Mortgage Solutions. Our adviser is ready to help homeowners explore their full range of options.

 

 

Risk Warning

The is a lifetime mortgage. To understand the features and risks please ask for a personalised illustration.
Check that this mortgage will meet your needs if you want to move or sell your home or you want your family to inherit it. If you are in any doubt, seek independent advice. 

Debt Consolidation
Think carefully about securing other debts against your home.
Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. 
 

 

FAQ's
Want to Know More About Equity Release?

Who is eligible for Equity Release ?

Homeowners aged 55 or over, with a main residence in the UK, may be eligible for equity release.

How much money can I release from my home with Equity Release?

Most equity release products are designed so you can unlock 20–60% of your property’s value, depending on age, property value, product type, and your health. The precise amount is confirmed following a professional valuation as part of the application process.

Do I still own my home with equity release?

Yes, with a lifetime mortgage, you remain the property’s legal owner and can live there for life or until you move into care. The loan is repaid only after you pass away or move into permanent care, typically from the sale of your home.

Can I release equity if I still have a mortgage?

Yes, but any existing mortgage must be repaid with the equity released. Our adviser can explain your options in detail.

How is the money paid?

Equity Release plans are flexible. Choose a lump sum for major expenses or a drawdown facility for ongoing access to funds. Drawdown plans are popular, as you only pay interest on what you actually release, potentially saving money long term.

Can I Still Leave an Inheritance?

Yes, many lifetime mortgage products let you ring-fence a portion of your property’s value to leave as inheritance. Some plans also let you pay the interest as you go, protecting more equity for your loved ones. Strategy Mortgage Solutions ensures you understand these options.

What’s the Application Process for Equity Release ?

  • Speak to our qualified equity release adviser for a no-obligation consultation.
  • Decide how you want to access funds: lump sum, drawdown, or income.
  • Have your property professionally valued.
  • Receive a formal offer detailing the retirement mortgage terms.
  • Your solicitor manages the legal registration.
  • Receive funds directly into your bank account.

Throughout, Strategy Mortgage Solutions stands by your side, offering clear information and support.

Can I Borrow More Later On?

If you select a drawdown lifetime mortgage, you can access further funds when needed, subject to lender approval and property value. This suits those wanting flexibility from their retirement mortgage.

Do I Have to Take the Full Amount?

No. You only need to take what you require. With drawdown plans, interest accrues only on what you have withdrawn, helping manage costs efficiently.

What Can I Use Equity Release Money For?

Clients use equity release for:

  • Paying off existing mortgages or debts.
  • Home improvements or adaptations.
  • Supporting children or grandchildren with deposits or education costs.
  • Funding holidays, new vehicles, or enjoying retirement life.

Our equity release adviser is here to ensure you are using your funds in the best way for your personal circumstances.

Is Equity Release Right for Me?

Equity Release isn’t for everyone. Our FCA-regulated adviser at Strategy Mortgage Solutions provides honest, qualified advice. We explore every later life lending option to ensure the product you choose matches your needs, especially for property owners.

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How It Works

Step 1

Let's Talk

Step 2

 We discuss your situation and priorities, then search the market for suitable mortgage services Hertfordshire.

Step 3

Your Strategy Mortgage Solutions adviser presents the right options and answers your questions. 

Step 4

 Ready to proceed? We'll make the application directly to the chosen lender. We support you through every stage, right up to completion, ensuring a smooth process from start to finish.

 
 

 
 

 

Unlock Your Home's Potential Today

Book Your Consultation Today

Wondering if Equity Release is right for you? Chat directly with our seasoned adviser at Strategy Mortgage Solutions. Call us on  0808 296 0202 or email enquiries@strategyms.co.uk. Experience simple, honest equity release advice and discover new financial freedom while staying in the home you love.

 

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The information contained in this website is subject to UK regulatory regime and is therefore intended for consumers based in the UK. Strategy Mortgage Solutions Ltd is an appointed representative of The Right Mortgage Limited, which are authorised and regulated by the Financial Conduct Authority. 

Strategy Mortgage Solutions Ltd is regulated with the Financial Conduct Authority: 17151180.

Registered in England and Wales No: 17151180123456.

Registered address: 54 Sun Street, Waltham Abbey, EN9 1EJ

 

A fee may be charged for mortgage advice. The exact amount will depend on your circumstance.