Lifetime & Equity Release Mortgages in Brighton & Hove

Want to release tax-free cash from your Brighton or Hove home? Whether you’re improving the property, supporting family or supplementing retirement income, we’ll help you understand equity release and what it means for your long-term plans. For personalised recommendations, we’ll connect you with an FCA-regulated equity release adviser.

How We Help

• Explain lifetime mortgages and home reversion clearly
• Cover lump sum vs. drawdown and interest options
• Discuss inheritance, benefits and product features
• Prepare details so an adviser can assess suitability and terms

Equity Release Routes

• Lifetime mortgage: A loan secured on your home, with interest that can roll up or be serviced. Repaid when the last borrower dies or moves into long-term care.
• Home reversion: Sell a share of your property while retaining lifetime occupancy rights.

Things to Weigh Up

• Future inheritance: Borrowing reduces the equity left to your estate
• Compounding costs: Rolled-up interest grows the balance
• Benefit interactions: Cash released may affect means-tested benefits
• Product flexibility: Voluntary repayments and portability differ by lender

Who Typically Qualifies?

• Homeowners aged 55+
• Properties meeting lender criteria (value, construction, lease terms)
• Amount available depends on age/health and property value

Local Notes

Brighton & Hove’s period stock and leasehold flats (service charges, ground rent, EPC) can influence product choice and maximum release. Location and property condition are key factors in valuation.

Lifetime & Equity Release FAQs

Do I lose ownership?

With a lifetime mortgage, you remain the owner. With home reversion, you sell a percentage of ownership.

Can I take funds in stages?

Yes — drawdown facilities allow you to release funds as needed, limiting interest accrual.

What happens if I move to care?

The plan typically ends and the loan is repaid from the property sale.

Are rates fixed?

Many lifetime mortgages are fixed; terms vary by lender and product.

Can I repay early?

Possible, but ERCs may apply. Some plans include downsizing or compassionate waivers.

Next Steps

Tell us your goals in Brighton & Hove. We’ll outline options and connect you with an FCA-regulated adviser for tailored guidance.