Want to know more about equity release?
Watch our two-minute that will explain how equity release could work for you.
Would you like to know more, call us on 0800 999 3339 or book a call back.
Richard has been voted ‘mortgage adviser of the year’ and won numerous industry awards.
Tom is an accredited later life Lending professional with The London Institute of Banking & Finance.
See how much you could release with our simple lifetime mortgage calculator.
"The whole process was handled with efficiency and with minimum hassle The advise was great and communication excellent. The process was complete in less than 5 weeks. I would definitely recommend Richard Wylder and his team."
Equity release, often through a lifetime mortgage, allows homeowners in Chelmsford aged 55 and over to release the cash tied up in their property without needing to sell or move. By borrowing against your home’s value, you can choose to take a lump sum or draw down funds as required. Whether your home is mortgage-free or you still have a mortgage, equity release offers a flexible way to access your money, with any remaining mortgage being cleared from the released funds.
Absolutely. All the equity release plans we provide in Chelmsford are fully regulated by the Financial Conduct Authority (FCA) and meet the standards set by the Equity Release Council. This means you will never owe more than the value of your home when it is sold at market price, giving both you and your family peace of mind.
You can spend the money released however you wish. Whether it's upgrading your car, clearing debts, or enhancing your retirement lifestyle, equity release gives you the freedom to enjoy life in Chelmsford on your own terms.
Here are a few of the most common reasons people choose equity release.
Repaying
University or weddings
At Equity Release and Mortgage Partnership Chelmsford, we offer expert advice on both mortgages and equity release, tailored to your individual needs. With years of experience, our team is dedicated to helping you make informed financial decisions.
Whether you're looking to release the value of your home or find the perfect mortgage deal, we provide clear and straightforward guidance. Our aim is to secure your financial future, and we're here to support you every step of the way.
With a professional service and a personal touch, we’ll help you build a more secure, brighter future.Whether it's home improvements or boosting your retirement income, our plans are designed to meet your goals.
Our advisors take the time to understand your needs, helping you and your family make informed decisions.
We'll also explore and discuss any alternatives to equity release to ensure you make the right choice.
Here’s what to expect when you work with us for equity release, if you live in Chelmsford.
You get in touch for a no-obligation chat, either over the phone or face to face. Your adviser will explain how equity release works, answer initial questions, and check whether it could be suitable.
If equity release looks appropriate, your adviser will carry out a full assessment of your circumstances and recommend a plan tailored to your needs.
Your chosen lender will arrange an independent valuation of your home. This confirms the property value and the final amount you can release.
You’ll receive independent legal advice from a solicitor of your choice. They’ll explain everything in plain English and handle the legal side before completion.
Once everything is approved, your equity is released to you as a lump sum, smaller amounts, or a mix of both. You remain the owner of your home for life, with no mandatory monthly repayments.
You’re supported at every stage, and you’re free to stop the process at any time.
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY DEBT SECURED ON IT.
Equity Release and Mortgage Partnership Ltd is directly authorised and regulated by the Financial Conduct Authority (FCA) and is entered on the financial services register http://register.fca.org.uk under reference 986900. Privacy Notice. Update cookies preferences
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