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Local equity release advisers near me

Bower Home Finance has a team of local equity release advisers covering all of England, Scotland, Wales and Northern Ireland.  

It is our mission to give every UK homeowner in retirement or those approaching retirement the face-to-face advice, support so they can consider their later life options with expert advice. With decades of combined experience, our local equity release advisers are on hand to help you through your equity release journey from your initial enquiry to completion.  

We’ll explain the advantages and disadvantages of each financial product clearly so you can make an informed decision about what’s right for you with all the information you need.  

We always recommended you have a free, no-obligation appointment in the comfort of your own home so you can ask us questions, discuss your alternatives and basically find out if equity release is the right option for you. And if it helps you feel more comfortable, you can invite family or friends along too who can ask questions of their own and offer you further support in your decisions.  

Equity release advisers near you:  

Learn more about each of our specialist equity release advisers and find out who your closest adviser is below.   

Why take independent equity release advice? 

Our independent advisers work solely for you and your interests, researching the whole market of equity release plans to find the best financial option.  

There are lots of reasons to choose an independent specialist like Bower Home Finance for your equity release advice: 

  • Being independent means your adviser can search the entire market of equity release plans to find the right one for you 
  • They won’t be limited to the plans from one lender, so you can access a much wider variety of options and interest rates 
  • No one understands your property like you, and we need to discuss or see your home so to fully understand its value before making any recommendation  
  • Not all equity release lenders will deal directly with the public – some can only be accessed through a specialist like Bower Home Finance 
  • An independent specialist will explain all the advantages and disadvantages of each type of plan and will never pressure you into making a decision 
  • Because of their impartiality, an independent adviser will tell you if an equity release plan isn’t actually the best financial option for you right now, and can advise you on the alternatives you may wish to consider 
  • An independent specialist can access money-saving offers that you couldn’t get if you went directly to the lender – so you could save thousands over the life of your plan by using an independent equity release adviser 
  • If you are receiving state benefits or you are entitled to claim any, you need to know if equity release will affect your situation. Our advisers will discuss this with you so you can make an informed decision 

No obligation equity release advice   

At Bower Home Finance, we offer no obligation advice that is tailored to you and your circumstances.  

We understand that equity release isn’t the right product for everyone which is why your local equity release adviser will only offer what’s suitable for you.   

We want you to move forward with confidence which is why our local equity release advisers encourage you to involve your family and friends in your discussions.  

Equity release is a big decision, and we want you to understand every aspect of equity release and have any questions you might have answered by your local equity release adviser.   

Local equity release advisers close to home  

We believe in building a relationship with someone you can trust, which is why our local equity release advisers provide home appointments, offering a personalised approach with a face you can trust.  

Our specialist advisers will travel to you, delivering the same tailored advice straight to your door. Find your local equity release adviser today.   

Regulated advice you can trust  

Releasing equity from your home is a big decision, which is why we want to make sure you’re informed every step of the way.  

Whether you’re looking for make some much-needed home improvements or a cash lump sum to gift to family, equity release could help you achieve your goals 

As part of the Bower Promise we want to assure you that wherever you live in the UK, we will be with you every step of your equity release  journey, delivering top quality advice and support from the outset.  

We understand equity release isn’t the right option for everyone which is why we offer no-obligation, tailored advice to match your circumstances. 

Equity release council members 

Bower Home Finance are authorised and regulated by the financial conduct authority, in addition to being members of the Equity Release Council.  

Proud to be a Member of the Equity Release Council

This means we adhere to the Equity Release Council standards, which ensures all plans we recommend include a no negative equity guarantee and the right to make penalty free payments, subject to lending criteria. 

Our equity release adviser best practice 

Homeowners looking for funding options to help them through retirement are increasingly turning to equity release. Our qualified advisers will work closely with you to offer expert advice, whilst taking into consideration your personal circumstances.  

Seeking the best independent financial advice in retirement is vitally important, and the key to knowing if you have located the best equity release specialist is finding out the level of detail they go into with their advice process. 

At Bower Home Finance, our specialist advisers follow a strict process whilst ensuring any recommendations are suitable for you.  

Each adviser will explain the implications of any equity release plan in detail, including if it will affect any means tested benefits entitlement and how your estate may be affected if you are planning to leave inheritance for your loved ones. 

Free initial consultation 

A good equity release adviser will start with a no obligation consultation and this will involve working out whether you have enough equity in your property after your mortgage and any secured loans have been paid off. 

We offer a free, no obligation consultation to help get your equity release journey started. After checking your eligibility, our qualified team will speak to you about your financial goals and any options for later life products. 

Home Reversion Plan or Lifetime Mortgage? 

There are two main overall types of equity release schemes — home reversion plans and lifetime mortgages — and within those, different types of plans still.  

Different types of equity release plans have their own advantages and disadvantages and choosing the right one can only be done by a qualified adviser after a thorough investigation into specific circumstances. 

Your equity release adviser will also discuss if you would like to make monthly repayments towards your equity release plan and if you might like to make further releases in the future. 

A lifetime mortgage is a loan secured against your home and will be need to be repaid, in addition to any rolled-up interest, through the sale of your home when the last person on the plan passes away or moves into long-term care. 

Answering your questions on equity release 

Never be afraid to ask your equity release adviser further questions, they are duty bound to make sure you are matched to the right plan. If you decide to go ahead with a lifetime mortgage or home reversion plan, a good adviser will ensure you are made aware of the full range of alternatives. 

Some questions you have might include how equity release can impact welfare benefits or what will happen to your existing mortgage with an equity release plan. 

Involving your family 

We encourage you to include your family members in any discussions about equity release and later life finances.  

A good equity release adviser will welcome the involvement of your family in your equity release decision: steer clear of any that don’t. 

Equity release may involve a lifetime mortgage or home reversion plan. To understand the features and risks, please ask for a personalised illustration from our whole of market advisers. 

Your local qualified equity release advisers  

Our local qualified advisers can help you with independent advice, helping you understand your financial options and equity release.  

Find out how much equity you could release from your home with our equity release calculator or find your local equity release adviser today.  

Bower Home Finance is an FCA regulated independent financial advice company that offers specialist advice on equity release throughout the UK. For more information email [email protected] or call 0808 196 6847. 

At Bower, we will understand your unique circumstances and advise you to ensure you are receiving the best plan to meet your objectives. There are plans that allow you to make voluntary repayments and move home, subject to lender criteria. However, early repayment charges may apply in certain circumstances.

Equity release requires paying off any existing mortgage. Any money released, plus accrued interest to be repaid upon death, or moving into long-term care. Equity release will reduce the value of your estate and your entitlement to means-tested benefits now or in the future, and impact long-term care funding.

Bower Home Finance provides independent, impartial whole of market advice with an award-winning customer service experience. Initial advice is provided at no cost to you and without obligation. Only if you choose to proceed and your plan completes, would a typical advice and administration fee of £1,695 be payable.

If you are considering equity release, we strongly recommend that you read our equity release page carefully and talk to one of our specialists before deciding if you wish to proceed.

To find out more about any of the products and the service we provide, please call us on freephone 0800 411 8668request a call backemail us, or join our live chat you’ll find on our website.

Please be aware that equity release may involve a home reversion plan or lifetime mortgage which is secured against your property. All features and risks are thoroughly explained in your free personalised illustration.