Want to know more about equity release?
Watch our two-minute that will explain how equity release could work for you.
Would you like to know more, call us on 0800 999 3339 or book a call back.
Richard has been voted ‘mortgage adviser of the year’ and won numerous industry awards.
Tom is an accredited later life Lending professional with The London Institute of Banking & Finance.
See how much you could release with our simple lifetime mortgage calculator.
If you're over 55 and own your home, equity release could help you unlock some of the cash tied up in your property—without having to move or sell. Also known as a lifetime mortgage, it allows you to borrow against your home's value or sell a share of it in exchange for a lump sum or regular payments. Some plans even offer the flexibility to access more funds later if needed. If you still have a mortgage, the released funds must be used to pay it off first.
Yes, it is. We are regulated by the Financial Conduct Authority (FCA) and follow strict standards set by the Equity Release Council to protect you.
With a lifetime mortgage, you will never owe more than your home’s sale value, provided it’s sold for the best price possible. This ensures that neither you nor your estate will be left with any outstanding debt beyond the property's worth.
You have complete freedom to spend the funds however you wish. Whether it's home improvements, helping family, paying off debts, buying a new car, or simply making retirement more comfortable, the choice is yours.
Here are a few of the most common reasons people choose equity release.
Repaying
University or weddings At Equity Release and Mortgage Partnership Basildon, we specialise in helping homeowners make informed financial decisions about later-life mortgages and equity release. With years of experience in the industry, we provide clear, honest, and personalised advice to ensure you find the best option for your needs.
We understand that choosing equity release or a mortgage is a big decision, which is why we take the time to explain everything in simple terms, no jargon, no pressure, just expert guidance tailored to your circumstances. Our goal is to help you feel confident and reassured every step of the way.
Unlike some brokers, we offer a fee-free service, meaning you won’t pay us a penny, our payment comes from the lender once your mortgage is completed. We also work with every UK equity release provider, so you can be sure we’re finding the best deal for you.
Whether you’re just exploring your options or ready to move forward, Richard and Tom are here to help.
Here’s what to expect when you work with us for equity release, if you live in Basildon.
You get in touch for a no-obligation chat, either over the phone or face to face. Your adviser will explain how equity release works, answer initial questions, and check whether it could be suitable.
If equity release looks appropriate, your adviser will carry out a full assessment of your circumstances and recommend a plan tailored to your needs.
Your chosen lender will arrange an independent valuation of your home. This confirms the property value and the final amount you can release.
You’ll receive independent legal advice from a solicitor of your choice. They’ll explain everything in plain English and handle the legal side before completion.
Once everything is approved, your equity is released to you as a lump sum, smaller amounts, or a mix of both. You remain the owner of your home for life, with no mandatory monthly repayments.
You’re supported at every stage, and you’re free to stop the process at any time.
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY DEBT SECURED ON IT.
Equity Release and Mortgage Partnership Ltd is directly authorised and regulated by the Financial Conduct Authority (FCA) and is entered on the financial services register http://register.fca.org.uk under reference 986900. Privacy Notice. Update cookies preferences
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