Unleash Equity - Equity Release Advice Brighton & Sussex

0203 827 3572

Whole-of-Market Advice

Our equity release experts find you the best equity release plan that suits you from a panel of trusted providers.

5-Star Rated

Our service has achieved a 5-star rating on Trustpilot. Clients love our communication and how our team works together to achieve your goals.

Great Value Service

Our equity release advice fees are fair (£699) and are only paid when you receive your money.

Our Services

Unleash equity has made the whole process simple and easy, they are friendly and informative and always happy to answer questions …
Mrs Tisdell

Equity Release

Equity release is an area of specialist later-life lending available to homeowners aged 55 and over. It enables money to be released tax-free with no monthly payments whilst retaining the right to live in your property.

Equity Release Advice

Lifetime Mortgages

A lifetime mortgage is a way to release cash tax-free from your property whilst retaining ownership. Interest can be rolled-up or serviced.

Lifetime Mortgage Advice

Will Writing/LPAs

As equity release will affect your estate, it is worthwhile taking the time to review your Will and conduct further estate planning.

Will Writing Services

Life Cover/Protection

Plans that provide financially for you and your family should the unexpected occur.

Cover & Protection Services

Why Unleash?

Unleash provides specialist advice for people who would like to unlock the value of their home.

Our team takes a holistic approach to retirement planning to help you raise the money you need. As we’re fully independent and not linked to any lender, we can recommend the right product for you and your situation.

Equity release is not for everyone; we’ll explain the risks and tell you if it’s not suitable for your circumstances.

Equity Release: This is a lifetime mortgage. To understand the features and risks, please ask for a personalised illustration. An equity release product will reduce the value of your estate. Check that this mortgage will meet your needs if you want to move or sell your home or you want your family to inherit it. If you are in any doubt, seek independent advice

Your Team

Keith Greywood

CMO
MCIM

I’m responsible for the marketing function at Unleash. Get in touch with me if you’d like to work with us.

Marcus Lytle

Lifetime Mortgage Adviser
CeMAP, CeMAP Diploma, CeRER

I’m a second-generation mortgage specialist with a passion for equity release.

Katrina Beard

Administration Assistant

I support the team to ensure a seamless client experience.

Daniel Blunden

Lifetime Mortgage Adviser
CeMAP, CeRER

I’m here to ensure that you take out the right lifetime mortgage to suit your needs and aspirations.

Adam Goddard

Founder & Managing Director
Dip PFS, MSWW, Cert SMP, Cert CII (MP & ER), Cert CII (Life & Pensions)

Need help understanding your options? I’m happy to discuss any questions you have regarding later life planning.

To give advice, each adviser in our team has undergone rigorous study to pass the needed specific mortgage and equity release qualifications and extensive on-the-job training on our process and systems. All of our advisers can also review each other’s cases. They are not self-employed hired guns – they work for Unleash.

Meet Our Team

What is equity release?

Equity release refers to an area of specialist lending which allows a homeowner to access cash from their property tax-free. Read more about on Equity Release.

Is equity release safe?

Equity release is regulated by the FCA, both the products and advice. The Equity Release Council is the industry body with a strict code of conduct for the products and services we offer. Part of this is a ‘no negative equity’ guarantee, which ensures there is no debt to settle upon death.

Am I eligible for equity release?

If you are a homeowner over 55, you may be eligible for equity release. If it’s a joint application, both applicants need to be over 55. The minimum cash amount released varies by lender but is usually £10,000-£20,000. The minimum property value also varies and is usually around £75,000 to £100,000.

How does equity release work?

You can think of equity release as a reverse mortgage. You are receiving your equity in the form of tax-free cash. You would have previously paid for this equity with your standard mortgage, or the property may have increased in value.

The loan is paid back to the lender upon the homeowner’s death or when entering long term care. In most cases, a lump sum will be paid with the option for additional withdrawals if needed.

It is also possible on some products to repay the mortgage interest. Homeownership is retained with a ‘lifetime mortgage’ until the property needs to be sold. 99% of equity release cases consist of lifetime mortgages.

How much equity can I release?

The amount of equity you can release depends upon the age of the youngest applicant, property value and the equity in the property. The amount varies by lender, but we can offer a basic calculation. One of our experienced advisors would need to complete a fact-find to get the most accurate figure.

Learn More About Equity Release

Equity Release: As Safe as Houses

Equity release products enable homeowners aged 55 and over to utilise what could be their biggest asset – their home – to access wealth.

Common reasons for equity release are paying off existing mortgages, home improvements, one-off expenses, consolidating debts, paying for later life care, or assisting family members by gifting a ‘living inheritance’.

Every customer must follow an FCA regulated process of financial advice and independent legal advice to determine whether such a product suits their circumstances and long-term needs.

We are members of the Equity Release Council and abide by their rules and principles.

All the lifetime mortgages we recommend to clients meet the following criteria:

The interest rates of a Lifetime Mortgage are fixed for the life of the loan.
You have the right to remain in your home for life or until you move into long-term care.
You have the right to move to another property, subject to the property being acceptable to your product provider.
The products have a ‘no negative equity guarantee’, which means you’ll never owe more than the value of your home.

Lenders we work with:

Terms & Conditions / Privacy Policy / Cookie Policy / Sitemap

Unleash Equity is a trading style of TRN Adviser Ltd, an Appointed Representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority.

Registered in England and Wales no. 09863667.

Registered Address: 70 St. Johns Close, Knowle, Solihull, England, B93 0NH

AN EQUITY RELEASE PRODUCT WILL REDUCE THE VALUE OF YOUR ESTATE, WILL NOT BE SUITABLE FOR EVERYONE AND MAY AFFECT YOUR ENTITLEMENT TO STATE BENEFITS. TO UNDERSTAND THE FEATURES AND RISKS PLEASE ASK FOR A PERSONALISED ILLUSTRATION

This is a lifetime mortgage. To understand the features and risks, please ask for a personalised illustration. Check that this mortgage will meet your needs if you want to move or sell your home or you want your family to inherit it. If you are in any doubt, seek independent advice.

Equity Release Mortgage Fees

£699 is the maximum fee payable at completion.

The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.