Equity Release specialists, right on your doorstep

For many homeowners, releasing equity from their property can be a practical way to boost a retirement income, fund home improvements, or pay for a dream holiday.
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At FPG Mortgages, we’ve been helping clients understand the evolving and increasingly flexible world of equity release and lifetime mortgages.

We work to simplify the process, explain your options clearly, and identify ways these products could offer strategic benefits – such as reducing Inheritance Tax liability or helping a family member get onto the property ladder.

And with our office based in the heart of Teddington, we’re right around the corner whenever you need expert, local advice.

 

CALL US ON 020 8977 7090

 

What is an Equity Release Mortgage?

We all want to make the most of retirement, but finding the funds to enjoy life’s bigger plans – on top of covering everyday expenses – can be challenging.

An equity release mortgage allows you to unlock some of the value tied up in your home, without needing to sell or move. It’s a loan secured against your property, and the money you borrow – plus any interest – is only repaid when the last borrower either passes away or moves into long-term care.

Key benefits include:

  • No monthly repayments required
  • You stay in your home
  • “No Negative Equity” guarantee – you’ll never owe more than the property is worth (subject to terms).

 

CALL US ON
020 8977 7090

Common Myths –
Busted

 

  • You won’t lose your home
  • You’ll never owe more than your property’s value
  • You can move – your plan can move with you
  • You have the option to pay interest to manage the debt
  • You can protect part of your home’s value for loved ones
  • The loan is only repaid when you pass away or enter long-term care
  • The interest rate is fixed for the life of the loan, giving you peace of mind and certainty. Because equity release is a significant decision, you’ll need to speak with a qualified adviser before proceeding – this ensures you fully understand the product and that it’s right for your circumstances.

 

Why Do People Choose
Equity Release?

 

Here are just a few reasons people come to us to explore equity release options:

  • Renovating their home – such as a new kitchen or conservatory
  • Clearing existing debts, like an interest-only mortgage
  • Helping children or grandchildren buy their first home
  • Funding a once-in-a-lifetime holiday

Equity release isn’t the right solution for everyone, which is why it’s so important to speak with an impartial, Chartered Financial Planner. We’ll take the time to explore whether it’s suitable for you, review all the implications, and ensure you’re making the best financial choice for your future.

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