Equity Release – Bicester Mortgage & Insurances

If you’re 55 or over and looking to release tax-free cash from your home without selling or moving, Equity Release could be the perfect solution. At Bicester Mortgage & Insurances, we provide expert advice to help you access the wealth tied up in your property while ensuring you make the right financial decision for your future.

What is Equity Release?

Equity Release allows homeowners to access money from their property while continuing to live in it. This can provide financial freedom in retirement, helping with home improvements, debt consolidation, or supplementing your income.

Types of Equity Release Schemes:

Lifetime Mortgage (Most Common)

A loan secured against your home while you retain ownership

Choose to make repayments or let interest roll up

Loan and interest are repaid when your home is sold, usually when you pass away or move into care

Home Reversion Plan

Sell a portion (or all) of your home to a provider in exchange for a lump sum or regular payments

Continue living in your home rent-free

Property is sold when you pass away or move into long-term care

Benefits of Equity Release

Tax-Free Cash: Use the funds however you wish – for retirement, travel, or financial security

Stay in Your Home: Keep living in the property you love

Flexible Options: Choose a lump sum, regular payments, or a combination of both

Inheritance Protection: Some plans allow you to safeguard part of your property’s value for loved
ones

No Negative Equity Guarantee: Ensuring you’ll never owe more than your home’s value

Things to Consider

Impact on Inheritance – Equity Release may reduce what you can pass on

Effect on Benefits – It could impact means-tested benefits

Early Repayment Charges – Some plans charge for early settlement

Professional Advice Needed – Always speak to an Equity Release-qualified specialist

Is Equity Release Right for You?

Everyone’s situation is different. That’s why at Bicester Mortgage & Insurances, we offer honest, no obligation advice, helping you understand if Equity Release is the right choice for your financial future.

A lifetime mortgage is a long-term commitment which could accumulate interest and is secured against your home
Equity release is not right for everyone and may reduce the value of your estate

Get Expert Equity Release Advice Today

Our dedicated Equity Release specialists in Bicester will guide you through every step, ensuring
clarity, transparency, and peace of mind. Contact us today for a free consultation and explore how
you can make the most of your home’s value.

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