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Equity release Advice Cardiff

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Equity release Advice Cardiff

Aged 55+ in Cardiff? Explore a wide range of later-life mortgage solutions. With numerous equity release products available, our experts will help you find the right solution for you.

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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.

Your later life equity release advisors in Cardiff will take an in-depth look at your current situation, your past experiences and what you are looking to achieve in the future. This allows them to determine whether equity release in Cardiff, or an perhaps something else, is the right step for you to take.

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Equity release Advice Cardiff

Lifetime Mortgages in Cardiff

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. For additional mortgage advice in Cardiff regarding equity release in Cardiff, it is worth seeking the advice of someone who is a specialist in this mortgage area, like ourselves.

What are some 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. Equity Release may come in the form of a lifetime mortgage or home reversion plan.

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.

A home reversion plan involves selling all or part of your home to a plan provider in exchange for a tax-free lump sum.

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Equity Release FAQs in Cardiff

I have an Equity Release enquiry, can you help?

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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?

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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?

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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 Cardiff. 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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Our Simple Mortgage Process

Free 30 Minute Chat About Your Future

Step 1

When you book a free initial appointment with our later life mortgage advisors in Cardiff, we will have a discussion with you about your inheritance goals and plans.

Alternatives to Equity Release

Step 2

Although equity release and lifetime mortgages are options, we will only consider them as a last resort. We believe that there might be a better alternative to your situation.

Discuss With Family / Trusted Parties

Step 3

We understand that later life mortgages are important, which is why we encourage you to involve your family or any other trusted parties in our discussions.

Our advisors will ensure that you have all the necessary information and will take the time to review all your options and plans in detail, so that you are fully informed and can make an informed decision.

Tailored Lifetime Mortgage Recommendation

Step 4

If equity release is not the right choice for you, our later life mortgage advisors in Cardiff will refer you to the appropriate services to help you with your plans.

However, if equity release is the right choice, we will provide you with a tailored recommendation for a lifetime mortgage that takes into account your inheritance plans.

I have Equity to Release, can you help?

Free Mortgage Review

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If you're considering a lifetime mortgage in Cardiff, our dedicated later life mortgage advisors are here to help. Book an appointment with us for free, and we'll take you through all the available options. We'll help you understand the steps you need to take, the effects of taking out a lifetime mortgage on state benefits, tax, and the equity left in your home over time.

We encourage you to involve family members or trusted individuals in the process, and our initial advice comes with no obligation or pressure to proceed. Once we've identified the appropriate plan, your advisor will provide you with an illustration and a written recommendation.

1000s of Deals

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We encourage you to involve family members or trusted individuals in the process, and our initial advice comes with no obligation or pressure to proceed. Once we've identified the appropriate plan, your advisor will provide you with an illustration and a written recommendation.

We'll then review our recommendation with you before submitting an application to the mortgage lender. Our experienced case managers will manage the entire process from start to finish, keeping you informed every step of the way.

Our Service

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As an open and honest mortgage broker in Cardiff, we've been helping customers achieve their mortgage goals for over 20 years. Our advisors are passionate about presenting whole-of-market lifetime mortgage advice for our valued, older customers.

7 Days a Week

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We're committed to providing you with continuous guidance and support throughout the entire process, and we strive to reduce as much stress from you as possible. Our fantastic customer reviews are a testament to our belief in building trust with our clients and ensuring their satisfaction.

Malcolm and Amy Davidson - Mortgage Advice in Cardiff

Finding you the Right Equity Release Deal in Cardiff

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Popular Options For Equity Release in Cardiff

Equity Release to Pay Off a Mortgage

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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

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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

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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 broker in Cardiff can review your personal and financial circumstances to look at which option is the most appropriate one for you.

Equity Release in Cardiff for Additional Purchases

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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.

Mortgage Guides & Cardiffmoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.

UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 10 Consort Court, Hull, HU9 1PU.

Authorised and Regulated by the Financial Conduct Authority.

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