Later life lending

We can help to release the money tied up in your home

Equity release can be a financial lifeline for older people who are living on small incomes, despite living in properties worth hundreds of thousands of pounds. More people are using the equity in their homes to enjoy a comfortable retirement, boost their income or pay for modifications to their homes so that they can continue to live there into old age.

There are various types of plans available to homeowners aged 55 and over. These include lifetime mortgages which enable you to take your cash in stages. Others enable you to take cash as a lump sum, an income or a combination of the two.

However, equity release isn’t the right solution for everyone. The schemes tend to be expensive and inflexible. Releasing cash from your home reduces the value of your estate and the amount of inheritance you leave, so you should involve your children and dependants from the outset. It’s therefore essential that you take professional advice to decide on the best route for you.

Please note: You need to think carefully before securing other debts against your home. Equity released from your home will be secured against it.

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Buying my first property I was a little apprehensive and unsure of where and what to do, when it came to the mortgage and finances. Anil helped me through every step, answered all my questions and gave me solid advice and I cannot thank him and the team enough.

Kail Hogan

A client since 2015

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Anil has helped me with 3 mortgages now, a commercial mortgage, residential mortgage and buy to let. I would highly recommend Future Planning, I have always had excellent advice and couldn't Thank them enough.

James Matthews

A client since 2017

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Sian Hewson was really helpful when I was looking for a new mortgage. She was fair and honest, and kept in touch at every stage of the process. She sorted all the paperwork quickly, and I know she worked hard to get the best deal for me.

Rebecca Evans

A client since 2017

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Sian was great - couldn't recommend her higher. Great people skills, went out of her way to help and very knowledgeable. 5 stars!

Joe Campbell

A client since 2019

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Sian is totally amazing and exceeded all our expectations - as always. Not only has she managed to arrange a standard purchase buy, on top of this, a buy to let bridging loan for the time period required.

Sarah Leahy

A client since 2014

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Our third mortgage with Future Planning. Each time, the process has been faster and easier. Their knowledge and expertise have been outstanding with extremely attentive advisors and admin team there’s not a single question we asked they didn’t have extensive experience in.

Martin Morris

A client since 2013

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Sian was an absolute star from the beginning. Conscientious, polite and utterly professional, Sian was a pleasure to work with. I cannot praise her enough; fully recommended to anyone looking for home insurance, mortgage renewal and life insurance.

Robyn Pearson

A client since 2019

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Diligent, committed and highly professional. In the face of repeatedly underwhelming performances from the other ‘experts’ involved in our sale and purchase; Sian stood out as the only one that could be relied upon to deliver against the timelines we were held to.

David Stevens

A client since 18.06.19

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Friendly, efficient and easy mortgage application process, despite hiccups with bank statements and amended purchase details. Sian tackled it all with patience and good humour and kept me abreast of everything at all stages. Highly recommend.

Mark Brown

A client since 2019

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Sian took what could have been a very stressful situation and guided us very smoothly through the entire process. Sian was always available and responsive, either via email or telephone.

Matthew Croston

A client since 2018

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