Equity Release

looking to release capital?

Making the decision to apply for an Equity Release Mortgage is a big decision that we can help with.  You might be looking to do some home improvements, help out your loved ones, treat yourself to an adventure of a lifetime or simply to enhance your retirement income so you have money to enjoy yourselves.  Either way, we can help you find the right mortgage product to fit your priorities and needs.  We promise not to swamp you in financial jargon and we encourage you to ask as many questions as you like.  You may like to have a family member with you whilst we walk through the details, that works for us too. We understand that Equity Release is not the right for solution for everyone and may reduce the value of your estate.

We will manage the entire process for you, but also with you, from start to finish.  All the worries of who to speak to, which documents you need to send and what happens next is taken care of by us, this is what we do!

To give you an idea how we work, we've mapped out how our Equity Release Mortgage process works.  Our entire aim is to find the right mortgage product for you.

Releasing equity from your home

Lets chat and get to know each other a little.  Ask us questions, have a chat and start to know that we've got you covered.

Fact Finding

Lets meet, have coffee and cake, whether thats face to face, by telephone or a video call.  The objective is to truly understand your needs and priorities now and into the future.

Research Time

We look for the most appropriate lenders and products from the lifetime mortgage market for you.  We provide you with tailored advice to meet your personal priorities and your affordability. We will lay out all the options available to you in the current market highlighting the best most appropriate way forward.


This is where we get together again for a short meeting so we can fully explain our findings being the most appropriate lender, product and why.  We will go through any fees payable during the process and of course, all the typical monthly interest repayments, rolled up interest now and into the future.  You can ask as many questions as you like, questions are good and if you want a friend or family member present with you, thats fine with us too.

Pre-advice check

As part of our compliance and duty of care, we will submit a pre-advice check to our Compliance Team to ensure you are receiving the best possible advice for your needs.  We really do care about getting the right product for you, we want you to feel happy and comfortable with the service we are providing.

Completion of application

Once the pre-advice compliance checks have been confirmed we then complete the full mortgage application on your behalf.  A valuation of your property will be instructed by the lender at your convenience.  We will keep an eye on the progress made and keep in touch at each step of the process.

Protection Review

Whilst your mortgage application is progressing it's a good time to make sure you are aware of the importance of protecting you and your home for future events.  We can provide a full review of any existing cover you may already have in place.   We then look at any shortfalls and what is important to you so you don't risk losing your home!

Ongoing support

We will provide ongoing support with your mortgage application through to completion and release of funds via your solicitor.  We will regularly monitor the progress of your application and liaise with solicitors and lenders, completely keeping you in the loop throughout.

Confirm you are satisfied with our independent legal advice that you receive at this stage.

Release of funds

Immediate funds and any future drawdowns that you have in place, are released to you through your Solicitor.  We are still here to help out with any post application questions you may have.

Equity Release / Lifetime Mortgages

Fee: £799

As experts in Equity Release and Lifetime Mortgages, we provide a first-class service to hold your hand through the entire process including:

    • Travelling to you for invaluable face-to-face meetings (within a 60-mile radius of the office)
    • Delivering clear, concise jargon free advice for you and your family
    • Providing the highest level of documentation to meet current FCA and Equity 
Release Council standards.
    • Providing all-important third-party contact with your chosen representatives to 
ensure they are kept fully aware of our advice and rationale
    • We will not charge our professional fee until the lifetime mortgage is fully approved and a formal offer is issued

A lifetime mortgage is a long-term commitment which could accumulate interest and is secured against your home. Equity release is not right for everyone and may reduce the value of your estate.


Lisa Parmley dealt with our case she was extremely professional from start to finish and we are very happy to recommend her for equity release, nothing was too much trouble for her.


Lisa was very professional and compassionate whilst dealing with my Equity Release great customer experience.


We were looking to release some money from our property, and Lisa Parmley was recommended to us. We found her very friendly, personable, informative and nothing was too much trouble. We are very happy with her service and would recommend her to anyone else. It was so easy, and we got a good rate as well.

Richard & Jane

Cannot believe after a very relaxed, informative meeting with Lisa how our lives have changed.  After having consultation with Lisa, we were surprised to find how much it has changed and decided to proceed. We have now sold our old house and moved into a lovely home nearer our family. Mortgage free, and cash in bank for our retirement.

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