To see how much you may be able to release use our Equity Release Calculator


Our advisers have over 40 years’ experience in offering mortgage advice.
We are regulated by the Financial Conduct Authority

To see how much you may be able to release use our Equity Release Calculator

Reasons to choose Avalon for your Lifetime Mortgage

– Unlock tax-free cash from your home to spend as you choose
– Remain the owner of your home
You can guarantee an inheritance for your family
Low interest rates

Free impartial advice, no hidden charges or upfront fees

We can discuss your requirements at a time and day to suit you, 7 days a week

We recommend the most suitable Lifetime Mortgage to suit you. As independent advisers, we research and compare different mortgage deals that are available to ensure we find the right one for you.

Once we have explained everything to you, our recommendations are sent in a jargon free letter, giving you time to decide. If appropriate, we will process the application for you from start to finish.

Though the money received can be used for anything, there are three main reasons to use Equity Release:

– To provide an income for those who have money tied up in bricks and mortar but not enough income
For those who have a mortgages on their home and no way to repay it.
To move to a new house

In addition to these, the money could also be used for anything legal including:

– Pay off mortgage
– Make home improvements
Provide financial assistance to your family and children / grandchildren to enable them to get onto the property ladder
Improve your lifestyle
Pay for a wedding
Pay a Tax bill
Holiday of a lifetime
Buy that dream car

To see how much you may be able to release use our Equity Release Calculator

What is a Lifetime Mortgage?

Using a Lifetime Mortgage you can release equity in your home. You take out a mortgage secured on your property and retain 100% ownership of your home.

You can choose to safeguard some of the value of your property to leave as an inheritance for your family.

You can choose to make interest repayments instead of letting the loan increase or let the interest roll up.

Payment, if you so wish, can range from a set monthly payment to pay just the interest, or alternatively, flexible “ad hoc” payments from as little as £50 per payment, which you can make whenever you choose.

Monthly payments are usually subject to an annual limit but your advisor will be able to take your repayment wishes into account.

 All repayments are voluntary so, if your circumstances change, you are free to stop making payments whenever you choose.

The loan amount and any accrued interest is paid back when you either sell the property, move into long-term care, or when you pass away.

A Lifetime Mortgage is suitable for homeowners aged 55 and above if your property is worth at least £70,000. You can release tax free funds from your home either as a single lump sum or arrange a drawdown lifetime mortgage to suit you.

Are Equity Release products regulated?

Equity release products such as Lifetime Mortgages, their providers and advisers are regulated by the (FCA) Financial Conduct Authority, while the financial products themselves also give some assurances. The (ERC) Equity Release Council is the trusted industry body ensuring good safeguarding and standards for consumers.

For peace of mind the ERC (Early Repayment Charges) policy includes a ‘no negative equity guarantee’, meaning you can never owe more than the value of your property, regardless of how house prices change.

You also have the freedom to transfer your mortgage to another property without incurring penalty payments, should you move house.

Equity Release Calculator

What you probably want to know is how much you could get if you took out equity release. Get a quick quotation by answering the questions below.

The amount shown is only a guide and it represents the maximum amount you could release with a lifetime mortgage, which is a loan secured against your home. Even though the calculator will calculate an amount, this doesn’t necessarily mean that equity release is the right course of action for you.

We’re here to offer professional advice to give the full picture as there’s lots to consider – for example, equity release will reduce how much you can leave to your family.

Call Avalon on 01302 591525 if you want to discuss this further.

To see how much you may be able to release, please complete all the sections below.

And even if you decide that equity release isn’t right for you, you won’t be charged for any advice you’ve had.

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Avalon FS Ltd is authorised and regulated by The Financial Conduct Authority. (FRN 936615 )

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