Equity Release in Cardiff 

Equity Release in Cardiff

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How does Equity Release in Cardiff work?

Equity Release is when you turn the equity built up in your home and turn it into a lump sum of cash. It’s entirely up to you what you spend the lump sum of cash on. Some people look to release equity to pay off any remaining unsecured debts, go on holidays, or gift money to a friend or family member to use as a means for a gifted deposit to purchase a home and get onto the property ladder.

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A Lifetime Mortgage is one of the main types of equity release products. You’ll be given the option to release equity through a Lifetime Mortgage, when you are towards the end of your mortgage term or have any repayments left.


The requirements for this product are that you’ve lived in your primary residence, and are able to take this mortgage out as well as choose a portion of the equity towards family inheritance.


As well as paying back your payment, another option is to let the interest accumulate. The time the loan becomes repayable is when you pass or move into long-term care, and are unable to look after yourself.

Things to Remember with Equity Release

If you are considering taking out some equity from your home, some requirements are that you need to be over the age of 55 years old to qualify for Equity Release. As well as the value of the property. All these factories will affect the amount you can withdraw from your home.


If you are looking for further expert Mortgage Advice in Cardiff about Equity Release, you’ll benefit from the help of a specialist in the field. Book your free mortgage appointment today and we will provide you with the open and honest support you need.


To understand the features and risks, ask for a personalised illustration. A Lifetime Mortgage may impact the value of your estate and it could affect your entitlement to current and future means tested benefits.


The loan plus accrued interest will repayable upon death or moving into long term care.

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Popular Scenarios for Equity Release in Cardiff

Equity Release to Pay Off a Mortgage

You can still take out a Lifetime Mortgage, even if you aren’t towards the end of your mortgage term. What happens is a portion of the equity is used to pay the remaining balance off your mortgage. The only thing that may affect your affordability is because you have a large financial commitment to pay, it may limit you to the amount you can borrow.

Equity Release to Pay Off Unsecured Debts

Your mortgage repayment is a secured debt, with the asset secured against the home you live in. Unsecured debts include personal loans that you have taken out.


For any credit problems, people will often instead choose Equity Release in Cardiff, as a means of covering the costs of any unsecured debts that they have built up over a length of time.

Equity Release in Cardiff for Home Improvements, Modifications or Alterations

If you are looking to undertake some home improvements you could either take out a lifetime mortgage or take out a standard remortgage to release equity. It all depends on your situation. Here at Cardiffmoneyman, your dedicated Mortgage Advisor in Cardiff can review your personal and financial circumstances to look at which option is the most appropriate one for you.


Below are some of the popular home improvement suggestions:

  • Home offices
  • Conservatories
  • Garden improvements
  • Extensions
  • Interior Improvements
  • Garage

Equity Release in Cardiff for Additional Purchases

If you don’t want to put the equity towards any of the options above, you can put it towards more personal things. We tend to find some people who want to use the cash to fund a holiday, a new car, or even a wedding. We do advise you to speak to one of our expert Mortgage Advisor in Cardiff who has rich knowledge about Equity Release and Lifetime Mortgages.

I have an Equity Release enquiry, can you help?

I have an Equity Release enquiry, can you help?

We can certainly help you with this. Here at Cardiffmoneyman, we have Equity Release Mortgage Advisors in Cardiff, who may be able to help. They have expertise in this topic and are available to answer any of your questions.

Can you help me Remortgage to Release Equity?

We can help you with this too, if you have any remortgage enquirys and are coming to the end of your fixed period, get in touch.


Our team has helped many customers who were looking for guidance or support on their mortgage journey. We aim to make the experience as smooth and stress-free as possible regardless of your circumstances. Customers are at the heart of this company for what we do as a Mortgage Broker in Cardiff. Is to provide nothing but open and honest Mortgage Advice in Cardiff.

Why should I use Cardiffmoneyman for my Remortgage?

We have access to a large panel of lenders who offer a range of deals. Our team can search through 1000’s of remortgage deals to find you the most suitable deal, ideal to match your circumstances.


Our team of Mortgage Advisors in Cardiff and Administrators are available 7 days to provide expert Mortgage Advice in Caridff. As well as this, we can help you with other services like referring to a conveyancing solicitor.


We are proud to serve a high level of service at Cardiffmoneyman and we strive to provide customers with satisfaction. Look at our genuine reviews to see how we have helped many customers on their mortgage journey.

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