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Equity Release West Yorkshire

For all equity release in West Yorkshire, PFS Finance Ltd can help. We’ll guide you through the whole process at a time and place to suit you.

 

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Equity Release West Yorkshire – Welcome to PFS Finance Ltd

Equity Release Specialists Covering Leeds, York Bradford, Keighley, Huddersfield, Calderdale, Wakefield and surrounding areas.

If you are aged 55 or over, be a homeowner (with or without a mortgage) and your property is worth at least £70,000, you may be eligible for taking out an equity release plan.

Lifetime mortgages are a type of equity release that let you access the money tied up in your home. There are no monthly repayments to make (unless you choose to) as the loan and interest are repaid once you die or move into long term care. The money you receive is tax free and can be used how you choose. Perhaps to pay off existing mortgages or loans, Go on Holiday, make home improvements, help family financially or increase your retirement income.

If you are thinking of taking out an equity release plan then you need to find out as much as you can about your options and weigh up the advantages and disadvantages fully before you decide if equity release is right for you. A fully qualified Equity Release adviser should help you to understand the steps involved and talk you through your options, the effects this might have on state benefits and tax and your obligations. And of course they can also explain the full benefits of equity release. Done correctly, equity release should have no impact on an individual’s tax position or their state benefits; however each individual’s circumstances need to be assessed.

All of the Equity Release plans include two very important guarantees:

A guaranteed right to remain living in the property that you have released equity from, either for life or until you need to go into long term care.

No Negative Equity Guarantee - which essentially guarantees that the amount to repay the equity release plan on death or entry into long term care can never exceed the value of the property itself, and so no debt can ever be left behind for your beneficiaries from the equity release plan.

My Service to You

Whatever your needs for later life lending, be it equity release, lifetime mortgage or retirement interest only (RIO) mortgage, we can help. As an independent whole of market later life lending service, we are totally focused on you, and we can benefit you as follows:

No Obligation Consultation

A free, no obligation consultation so that we can assess if Equity Release, Lifetime Mortgage or a RIO Mortgage could be right for you or not.

Clear Explanation

I’ll explain in full how equity release works and its impact on you & others.

Discuss Alternatives

Discuss all alternatives and provide access to these options if needed.

Research

We research and compare the whole of the later life lending market to find a solution that best fits you.

Tailored Advice

Advice is tailored to your specific circumstances; every situation is different.

Key Facts Illustration

If the recommended route is to proceed with an arrangement, then you will be presented with a Key Facts Illustration (a client specific illustration.

Equity Release West Yorkshire – About Me…

I have been working in the financial services industry for over 35 years gaining valuable experience and satisfaction helping customers and I now provide professional equity release advice for those aged 55 and over.

Many of my clients now find that releasing some of the wealth from their home can help with things such as: home improvements, paying off existing mortgages, clearing debts, dream holidays, second homes, school fees and helping with children’s house deposits. I offer plans from the whole of the market from providers who include names such as Aviva, Just Retirement, Liverpool Victoria, Legal & General, Hodge Lifetime, More 2 Life, , Pure Retirement and Canada Life.

Get In Touch Today!

If you wish to ask initial questions or discuss equity release without obligation then feel free to call me on 07988 859200.