Equity Release and Lifetime Mortgages

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Equity Release is a means of using the value of your home to receive either a lump sum of cash or regular monthly instalments of income. In all instances, age is the primary factor in determining the percentage of the value of your home that can be released.  Our Advisers have helped many homeowners make the most of their assets in retirement by safely releasing equity from their homes with one of these schemes.

With the economic difficulties making it harder to obtain credit as well as rising fuel, energy and food bills, many elderly homeowners are finding themselves having to watch every penny they spend while most of their wealth remains inaccessible, locked up in their single biggest asset, their home.   

Thanks to regulation by the Financial Services Authority, no negative equity guarantees and the Safe Home Income Plans  (SHIP) code of practice, modern Equity Release schemes ensure you’re well protected and you’re given appropriate advice.

  • Is your pension income insufficient to live on? A lifetime  mortgage could allow you to free up part of the capital tied up in your home, without you having to move.
  • Are you looking to realise your retirement dreams, such as extra holidays, buying a new car, or that round the world cruise!
  • Do you want to stay in your home?  A lifetime mortgage could help you release money to pay for home improvements or modify your home to suit a change in  lifestyle or health.
  • You can spend the money as you wish plus there are no monthly payments; instead interest is accumulated throughout and repaid with the loan from the sale of the house.


'Lifetime mortgages are complex products. To understand the features and risks, ask for a personalised illustration'


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Oracle Financial Services is the trading name of Brancaster House Ltd. registered office address 20 Central Avenue, St Andrews Business Park, Thorpe St Andrew, Norwich, NR7 0HR. Co Reg No 5010882. Brancaster House Ltd. is authorised and regulated by the Financial Services Authority and entered on the FSA register (http://www.fsa.gov.uk) under reference 300684.

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