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The Advice & Arrangement Process

Advice on equity release is something of a specialist area and we pride ourselves on the standards we set.  

However, though equity release will be right for some people we consider them to be options of last resort and our policy is to rule out all other possible solutions first before considering them. They carry significant downsides which must be fully discussed, considered and accepted before proceeding.  The process we follow will vary from client to client and can take anywhere from a few weeks to a few months.  It will normally require at least three meetings.



The first step is to discuss the basics of your situation, which normally means a chat by telephone and an initial meeting which tends to take a couple of hours.  We never charge for this first step.  If between us we conclude that equity release might be suitable for you then we will offer to provide financial advice.


The next stage is to complete a detailed financial factfind together.  This will include a full assessment of your affordability before and after retirement (as appropriate) and may also require that we write off to your existing providers for more information.  We'll also recommend that you review your will and discuss your plans with your family.


The final stage is to research the most suitable solution for your specific circumstances from the whole of the market, then arrange that solution for you.  We'd recommend that your children (or the beneficiaries to your will) are present at our final meeting so that all affected parties are aware what is being done and why, but this is of course completely up to you.

How we charge for our services

We offer two payment options for our services, the choice of which is entirely up to you. 



  • ​A fee of £695.  We will also receive commission from the equity release provider​.
  • A fee of £1995.  We will refund all commission received from the equity release provider to you.

We will never charge for an initial conversation by phone or face to face, nor if we recommend you do NOT take equity release.

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