EQUITY RELEASE

Unlock the value in your home – enjoy life on your terms

At Gerald Selvey Mortgages, we understand that your home is more than just where you live – it’s part of your life story. An equity release mortgage allows you to access some of the money tied up in your property, giving you extra financial freedom in later life while continuing to live in your home.

What is Equity Release?

Equity release lets homeowners aged 55 or over unlock tax-free cash from the value of their home, without having to move out. You can take the money as a lump sum, regular payments, or a combination of both, depending on what suits your needs.

The two main types of equity release are:

• Lifetime Mortgage – You borrow against the value of your home, but you retain ownership. The loan (plus interest) is repaid when your property is sold, usually when you pass away or move into long-term care.
• Home Reversion Plan – You sell a portion (or all) of your property to a provider in exchange for a lump sum or regular income, while continuing to live there rent-free.

Why Choose Gerald Selvey Mortgages?

• FCA-Regulated Advice – We search the whole market to find the right solution for your needs.
• Transparent & Personal Service – We explain every step clearly so you feel confident and in control.
• No Pressure, No Jargon – Just friendly, expert advice tailored to your goals.
• Trusted by Clients Nationwide – Our reputation is built on integrity, care, and long-term relationships.

How It Works

• Free Initial Consultation – We discuss your goals and explain your options. There will be a fee for arranging a mortgage and the precise amount will depend on your circumstances. This will typically be £495.
• Tailored Recommendation – We compare leading equity release providers to find the most suitable plan.
• Application & Legal Support – We guide you through the paperwork and legal process.
• Funds Released – Receive your tax-free cash to use however you wish.

What Can Equity Release Help With?

• Boost your retirement income
• Clear an existing mortgage or debts
• Fund home improvements
• Help family with a house deposit
• Enjoy travel or leisure without financial stress

Is It Right for You?

Equity release isn’t for everyone, so we always encourage an open, honest discussion before making any decision. We’ll explain the benefits and potential drawbacks, including how it might affect inheritance or means-tested benefits.

Speak to an Equity Release Specialist Today

Discover how much tax-free cash you could unlock from your home. Our expert advisers are ready to help you explore your options with no obligation.

Call us today on 01296 624015
Email: mortgages@geraldselvey.com