Equity Release
Celtic Financial are experienced and qualified equity release specialists, which means we can provide you with independent financial advice on the best way to release equity from your home if that is a suitable option. We can help ensure you get the best possible value from releasing equity, whilst ensuring you understand the risks and the steps involved
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We are proud to have built our reputation on client recommendations, reflecting the trust placed in us to provide clear, considered advice. When it comes to equity release, our focus is always on understanding your goals, exploring all available options and ensuring any decision is right for your circumstances.
Equity release is not suitable for everyone, which is why we take a careful and measured approach. In some cases, the best outcome may be to take no action at all. Our role is to guide you through the process, giving you the clarity and confidence to make an informed decision that supports your long term financial security.
You will lose equity in your property. The lender may sell your property if you leave it vacant for more than 12 months. If interest is rolled up it is added to the loan and compounded annually. Equity release is a lifetime mortgage. To understand the features and risks ask for a personalised illustration.
Great advice and friendly, helpful staff. Really appreciate the financial advice given for my future planning.
Equity release options
Lifetime mortgage: you take out a mortgage secured on your property (provided it is your main residence) while retaining ownership. You can choose to ring-fence some of the value of your property as an inheritance for your family, and can choose to make repayments or let the interest roll-up. The loan amount and any accrued interest is paid back when you die or when you move into long-term care.
To understand the features and risks ask for a personalised illustration.
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Frequently Asked Questions
Equity release allows you to access some of the value tied up in your home, typically in later life, without having to move. This is usually done through a lifetime mortgage, where you borrow against your property while retaining ownership.
The loan, plus any interest, is usually repaid when the property is sold, typically after you pass away or move into long term care.
Equity release is not suitable for everyone and should only be considered as part of a wider financial plan. There may be alternative options available, such as using savings, restructuring investments or exploring other sources of income.
We take the time to understand your circumstances and explore all available options before making any recommendation, ensuring any decision is appropriate for your long term needs.
Yes, with a lifetime mortgage, you remain the legal owner of your home. However, a loan is secured against the property, which will need to be repaid in the future.
It is important to understand the long term impact, including how interest may build up over time and how this could affect the value of your estate.
Equity release can reduce the value of your estate, as the loan and any accrued interest will be repaid from the sale of your property.
We help you understand the potential impact on your estate and ensure any decision is aligned with your wider financial and inheritance planning goals.
Can we help?
If you’d like to discuss your financial planning, explore how we can support your goals, or make a general enquiry, we’d be happy to hear from you — simply complete the form or use the contact details below.
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