Want to know more about equity release?
Watch our two-minute that will explain how equity release could work for you.
Would you like to know more, call us on 0800 999 3339 or book a call back.
Richard has been voted ‘mortgage adviser of the year’ and won numerous industry awards.
Tom is an accredited later life Lending professional with The London Institute of Banking & Finance.
See how much you could release with our simple lifetime mortgage calculator.
"As a first-time buyer I wasn’t sure where to start, I found Richard Wylder on Unbiased, and Richard could not have been more helpful. Always at the end of the phone with the information and answers I needed. I have not yet purchased my first home, but I know Richard will be with me at every step. Thanks again Richard."
Alex
Equity release, often through a lifetime mortgage, gives St Albans homeowners over 55 the ability to unlock cash tied up in their property without selling or moving out. By borrowing against your home, you can take out a single lump sum or draw funds gradually as needed. Whether your home is fully paid or has an existing mortgage, equity release provides a flexible way to access your money, paying off any mortgage balance from the released equity.
Yes, it’s fully secure. All equity release options we provide in St Albans are regulated by the Financial Conduct Authority (FCA) and follow the standards of the Equity Release Council. This guarantees you’ll never owe more than your home’s market value, giving peace of mind to you and your family.
Once released, the funds are yours to use as you wish. From home upgrades or debt repayment to enhancing your lifestyle in retirement, equity release gives you the freedom to make the most of your life in St Albans.
Here are a few of the most common reasons people choose equity release.
Repaying
University or weddings
Equity Release and Mortgage Partnership St Albans offers dedicated mortgage and equity release advice crafted to fit your needs. With extensive experience, our team is here to support you in making sound financial decisions. Whether you’re unlocking your home’s value or finding the ideal mortgage, we’re committed to providing clear, helpful guidance. Our priority is to help you secure a bright financial future, with service that’s both professional and personalised.
Our advisers ensure you choose an equity release plan that suits your individual needs.
Whether for home improvements or extra retirement income, our equity release options are tailored to your goals.
Enjoy transparency and assurance, as we adhere to FCA regulations and Equity Release Council guidelines.
Here’s what to expect when you work with us for equity release, if you live in St Albans.
You get in touch for a no-obligation chat, either over the phone or face to face. Your adviser will explain how equity release works, answer initial questions, and check whether it could be suitable.
If equity release looks appropriate, your adviser will carry out a full assessment of your circumstances and recommend a plan tailored to your needs.
Your chosen lender will arrange an independent valuation of your home. This confirms the property value and the final amount you can release.
You’ll receive independent legal advice from a solicitor of your choice. They’ll explain everything in plain English and handle the legal side before completion.
Once everything is approved, your equity is released to you as a lump sum, smaller amounts, or a mix of both. You remain the owner of your home for life, with no mandatory monthly repayments.
You’re supported at every stage, and you’re free to stop the process at any time.
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY DEBT SECURED ON IT.
Equity Release and Mortgage Partnership Ltd is directly authorised and regulated by the Financial Conduct Authority (FCA) and is entered on the financial services register http://register.fca.org.uk under reference 986900. Privacy Notice. Update cookies preferences
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