Frequently Asked Questions

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Frequently Asked Questions

Do I qualify for equity release?

You will usually qualify for an equity release scheme if:

How much cash would be available to me?

This depends on your age, property value and the type of equity release scheme. For example, an interest only mortgage will normally allow you to raise up to 75% of the property value. A Roll Up mortgage will allow you to raise between 25% and 57% of the property value however the percentage will be restricted by the youngest applicant. A Home Reversion plan would allow you to sell a share in your property of between 30% and 100% in exchange for a discounted (or non discounted) sum of money. The older you are when you take out any plan, the more you will receive. You may wish to use our equity release calculator or call us for details on exactly what is available to you.

Can I move home in the future?

Yes, however your new property will need to be approved by the plan provider and they will have their own set of terms to be met.

Would my state benefits be affected?

Releasing cash from your home could affect your entitlement to state benefits. Means tested benefits such as Pension Credit, Council Tax benefit and some health benefits like free prescriptions. Capital held in savings or an increased income could affect these benefits. We will tell you if releasing capital from your home is likely to affect any state benefits that you receive.

About James Blair

I have been an Independent Financial Adviser since 1987 and I am a FCA qualified Equity Release and Long Term Care adviser. I provide Independent Equity Release Advice and cover the whole of the market.

I work to your priorities. Call me on 01923 254760 if you would like discuss your Equity Release situation.

You can choose either a telephone or in-person meeting, which-ever is convenient for you.

There is no charge or obligation for this meeting.

This review will be at my expense.


I am writing to tell you that we are extremely happy with the way in which you have arranged an Equity Release for my mother-in-law. I would imagine that this can be a process fraught with anxiety for older people but in this instance there was no such trauma.

This is entirely due to your gentle and reassuring manner, your patience in answering our many questions and the clarity with which you presented the information we needed. The Equity Release is now complete and we are very happy and relaxed knowing that she can spend the rest of her life in her home. Thank you again.

David S. - Rickmansworth, Herts.

I found the service and advise you gave me a great help. You explained the different options and procedure clearly and kept me informed of all transactions as they happened. I thought your fees were very reasonable and fair. I would be more than happy to recommend your services. P.S The wine was lovely, thank you very much.

Julia G - Oxford

James explained the details clearly and James was readily available to answer any questions. I am happy with the plan James recommended for me

Gillian S - Slough

James made everything clear to understand and was very friendly. James did everything he said he would do.

Ron T - Essex