Unlock more than just equity.

Re-imagine your next chapter with equity release.

Equity release isn't just a financial transaction; it's a carefully considered strategy tailored to empower your dreams. Beyond the numbers, we're here to understand your unique aspirations and provide expert guidance on using your home as the catalyst for your next chapter.

Whether it's funding a once-in-a-lifetime holiday, supporting a loved one's education, or transforming your living space, we're committed to walking alongside you through every step of the process.

Your home has value beyond the bricks and mortar—it’s a powerful resource for the life you've always wanted.

Adapt/ Improve your Home

By accessing your property's equity, you can make essential adaptations or desired improvements. Whether it's adding accessibility features, renovating outdated areas, or upgrading for increased comfort, equity release provides the resources to improve your living environment. With funds at your disposal, you can create a home that better suits your family's needs and preferences, ensuring a more enjoyable and fulfilling living experience for years to come.

Repay Debt

Equity release presents a powerful solution for those burdened by debt in retirement. By leveraging the value tied up in your home, you can eliminate outstanding debts and enjoy newfound financial freedom. Whether it's credit card bills, loans, or mortgages, releasing equity enables you to wipe the slate clean and escape the stress of repayment.

Gift to Loved Ones

By tapping into the wealth accumulated in your home, you can offer a profound gesture to those you hold dear. Whether it's helping your children onto the property ladder, funding grandchildren's education, or helping a loved one through a challenging time, equity release empowers you to enrich the lives of your loved ones in meaningful ways. With the freedom to transform property wealth into cherished memories and opportunities, you can create a legacy of abundance and generosity for generations to come.

Retirement Income

Unlocking the value of your home through equity release can offer a lifeline in retirement, providing a steady income stream when traditional pensions fall short. By tapping into the equity built up in your property, you can access a lump sum or regular payments, supplementing your pension and enabling you to enjoy a more comfortable lifestyle in your golden years.

Lifestyle Purchases

Equity release offers a simple solution to fund lifestyle enhancements that boost your daily enjoyment. By accessing the equity in your home, you can afford those purchases that bring joy and fulfillment to your life. Whether you're planning travel adventures, pursuing hobbies, or upgrading your car, equity release provides the financial freedom to elevate your lifestyle.

Medical/ Care Expenses

Equity release presents a practical solution for covering medical or care expenses, ensuring you or your loved ones receive the necessary support without financial strain. By accessing the equity in your home, you can afford medical treatments, home modifications for accessibility, or professional care services. Whether it's for managing chronic conditions, recovering from surgery, or ensuring quality of life in later years, equity release provides the means to prioritise health and well-being.

Why choose us?

As with any other financial product, Equity Release is not a decision to be made lightly, and having a qualified, trustworthy, and compassionate adviser by your side is paramount.

We pride ourselves on how we look after our clients, including those that choose not to proceed.

We will always be transparent; if we don’t think equity release is the right option for you, we will say so.

We will go above and beyond our role as your adviser if you need us to. We will meet with your loved ones, especially with those that have expressed concerns or unease regarding equity release or our process.

We will come out to your home to make sure you are in your most comfortable environment when having these conversations with us.

You will never be made to feel that your questions are too small – it’s those small questions that we’re here for, ensuring you have a full understanding and are absolutely comfortable before proceeding.

We can perfectly tailor a plan to your individual circumstances; we have access to the whole market of equity release products with no bias to one lender. You can feel confident in knowing you’re getting the product that is right and best for you.

There is no obligation at all to proceed. No matter how much time we’ve put in, we won’t charge you a fee if you come to the decision that it’s not quite right for you.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

IMPORTANT: With investments, your capital is at risk. Pensions and investments can go down in value as well as up, so you could get back less than you invest.

Need Financial Planning Ltd is registered in England and Wales no. 10901658. Registered office, 123 High Street, Broadstairs, Kent, CT10 1NQ. Authorised and regulated by the Financial Conduct Authority. Need Financial Planning Ltd is entered on the Financial Services Register https://register.fca.org.uk/ under reference 977136. If you wish to register a complaint, please write to [email protected] or telephone 01843 228800. A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 0234 567.