Services We Offer

We are always on hand to answer all your equity release and lifetime mortgage questions… 

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Equity Release – there are two equity release options:

Lifetime Mortgages (from age 55)

Homeowner borrows a percentage of the value of their property where the maximum borrowing is dictated by the age of the youngest applicant and the value of the property. Ownership of the property remains with the owner. Interest is added to the mortgage amount unless optional repayments are made.

Home Reversion Plans (from age 60)

Homeowner sells part or all of their property to a reversion plan provider in exchange for a cash lump sum. Ownership, in part or full, of the property passes to the reversion plan provider. Rent may be payable for a lease provided to the former home owner either for life or until entry into long term care.

Bricks and mortgage only offer lifetime mortgages for Equity Release applicants. To understand the features and risks, please ask for a personalised illustration. Check that this mortgage will meet your needs if you want to move or sell your home or you want your family to inherit it. If you are in any doubt, seek independent advice.

Additional Services

Mortgages:

Whether you are a first time buyer, moving or buying an investment property (buy to let) in a limited company, Bricks and Mortgages can help.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage.

Some forms of Buy to Let mortgages are not regulated by the Financial Conduct Authority.

Protection:

What financial back-up plan do you have, and should you have in place when making financial commitments?

Do you understand what protection provision you currently have in place?

Protection is designed to cover you when life’s curve balls hit, and they do for some of us!!

Discuss your needs with Bricks and Mortgage to see how they can help you.

Business Protection:

“Business as usual” – that is always the aim.

People are at the heart of any business, and are responsible for its success.

Without business protection, the death or serious illness of a key member of staff could have a significant impact, team morale, productivity and the ability to continue trading.

There are a number of options for any business depending on their needs, give us a call to review these options and understand the benefits of that protection.

For additional information on all of the above, please visit our ‘Bricks and Mortgages’ website (www.bricksandmortgages.co.uk).

See How much you could borrow:

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You voluntarily choose to provide personal details to us via this website. Personal information will be treated as confidential by us and held in accordance with the Data Protection Act 2018. You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone.

By submitting this information you have given your agreement to receive verbal contact from us to discuss your mortgage and protection requirements.

What Happens Next:

We will email you one you have completed the above form with an idea of how much you could borrow.

We then have a discussion, in person or remote, to understand:

Do you qualify for equity release?

Is equity release right for you?

Are there better alternative options?

Will this impact any state benefits you may be in receipt of?

Agree next steps if you want take this forward...