Mortgage

Equity Release Information

Equity release allows you to access some of the value tied up in your home while still living there. It can be a useful way to boost your retirement income, fund home improvements, or support other financial plans.

Equity release allows homeowners aged 55 or over to access some of the value in their property while continuing to live there. It’s often considered to support retirement income, fund home improvements or meet later-life financial needs.

Equity release is a specialist area and involves long-term commitments that can affect your property and estate. It’s important that advice in this area is provided by a suitably qualified adviser.

If equity release may be relevant to your situation, I can help explain the basics and refer you to a trusted specialist who can provide regulated advice and assess whether it’s suitable for you.

The focus is on making sure you’re guided to the right expertise and have a clear understanding before any decisions are made.

1. What is equity release?

Equity release is a way for homeowners aged 55 or over to access some of the value in their home while continuing to live there. It is typically repaid when the property is sold, usually when the homeowner passes away or moves into long-term care.

2. How does a lifetime mortgage work?

A lifetime mortgage is the most common type of equity release. Interest is added to the loan over time and is usually repaid from the sale of the property in the future. Some plans allow voluntary repayments, depending on the product.

3. What are the potential benefits of equity release?

Equity release may provide access to funds without needing to move home. It’s sometimes used to support retirement income, fund home improvements or meet later-life financial needs. Whether it is suitable depends entirely on individual circumstances.

4. Are there risks associated with equity release?

Yes. Equity release is a long-term commitment and can reduce the value of your estate and affect inheritance. That’s why it’s important to receive advice from a suitably qualified equity release specialist before making any decisions.

If equity release may be relevant to you, I can explain the basics and refer you to a trusted specialist who is authorised to provide regulated equity release advice.

First-Time Buyer

Buying your first home can feel overwhelming, but the right mortgage can make everything much easier. As a first-time buyer, you may have access to products designed specifically for new homeowners, including lower deposit options and competitive rates.

I’ll walk you through each step—from understanding your choices to securing a deal that suits your budget—so you can start your homeownership journey with confidence and clarity.

Home Mover

Remortgaging can be a smart way to improve your current mortgage and strengthen your finances. Whether you want to lower your monthly payments, release some extra funds, or secure a better rate, I’ll help you understand your options clearly.

I’ll compare the latest deals, look at your individual goals, and guide you through the process so you can choose a remortgage that genuinely improves your financial position.

Buy-To-Let

Investing in rental property means choosing a mortgage that’s built for property investors. Buy-to-let mortgages are designed with rental income and long-term returns in mind, often allowing for higher borrowing based on expected rental earnings.

I’ll help you find the right buy-to-let mortgage to support your investment plans, maximise your returns, and make sure your rental property goals are set up for success.

Remortgage

If you’re moving home, getting the right mortgage in place is key to making the transition smooth and stress-free. Home mover mortgages are designed to give you the flexibility you need when upgrading or relocating, and I’m here to help you find the option that fits your plans.

I’ll guide you through the market, compare the best deals.

Equity Release

Equity release gives you the opportunity to unlock some of the value in your home while still living in it. Whether you want a lump sum or a regular income, it can be a useful way to support your retirement plans, cover unexpected costs, or fund home improvements.

I’ll walk you through the different equity release options, explain everything in plain English.

Bad Credit Mortgages

A less-than-perfect credit history doesn’t have to stand in the way of securing a mortgage. Bad credit mortgages are designed for individuals with credit challenges, offering opportunities to buy a home or remortgage despite past issues. I’ll help you navigate the options available, find a suitable lender, and secure a mortgage that aligns with your financial situation.

Learn More

Bridging Finance

Bridging finance provides short-term funding to help you move quickly when timing is critical. It is often used for auction purchases, properties that require refurbishment, or situations where a traditional mortgage is not yet suitable.

Development Finance

Development finance is designed to support property projects such as new builds, conversions, and major refurbishments. Funding is typically released in stages as the project progresses, based on agreed costs and milestones.

Residential Mortgages

Residential mortgages are used to purchase or refinance your main home, whether you are a first-time buyer, moving home, or reviewing your current deal. Choosing the right mortgage is key to long-term affordability and peace of mind.

Start With a Conversation

Every situation is different. A short conversation is often the easiest way to get clarity on what options are available and whether I’m the right person to help.

I work with property investors, limited company landlords and residential clients who want clear, straightforward advice before making a commitment.

There’s no pressure to proceed. Just an initial discussion to understand your plans and decide the best next step.

Your trusted partner for mortgages and protection, here to help you stay organised, secure, and confident in every financial decision. If you’d like to make your mortgage and protection journey simple and stress-free, just get in touch—I’m here to help.

Legal

Your home may be repossessed if you do not keep up repayments on your mortgage.

Mortgages and protection products are subject to eligibility and lender criteria.

Equity release may reduce the value of your estate and affect your entitlement to means-tested benefits.

Buy-to-let mortgages are not usually regulated by the Financial Conduct Authority.

MJS Finance is a trading style of Freedom Financial. Authorised and regulated by the Financial Conduct Authority.

We are authorised and regulated by the Financial Conduct Authority. FCA number: 920865.

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