Lifetime mortgage/
Equity release

Lifetime Mortgage Equity Release with HFMC Wealth

Are you looking to unlock the value of your home to supplement your retirement income, help facilitate inheritance tax planning or perhaps fund home improvements? An equity release lifetime mortgage could be the right option to consider. At HFMC Wealth, we can help you navigate the complex world of equity release and find the right financing option for your retirement and succession planning goals.

What is an Equity Release Lifetime Mortgage?

A lifetime mortgage is a type of mortgage that allows you to release the equity in your home without having to sell it. The loan is secured against your property and is repaid when the property is sold after you pass away or move into long-term care.

You can choose to receive the funds as a lump sum or as regular payments to supplement your income during retirement. The amount you can borrow will depend on the value of your home and your age.

Why Choose an Equity Release Lifetime Mortgage?

An equity release lifetime mortgage can give you the financial freedom to enjoy your retirement without worrying about money. It’s an option to consider if you have a lot of equity tied up in your home and want to unlock some of its value either to support your own lifestyle, or perhaps to help your family.

With a lifetime mortgage, you can continue living in your home and retain ownership while benefiting from the extra income or funds. It’s an attractive option for those who want to avoid the hassle and expense of moving to a smaller property and downsizing, or who wish to accelerate succession planning for family, but who don’t have liquid assets available to gift.


A Lifetime Mortgage raises money from your home by mortgaging your home and a Home Reversion plan raises money from your home by selling all, or a percentage of it to the provider.
Yes, however you will need to repay the mortgage using the money released from the Equity Release. Any funds left can be spent however you like.
Yes. With some plans you can even guarantee a percentage of your home’s future value as an inheritance.
The minimum usually varies between £10,000 and £25,000 depending on the provider.
Yes, with a Lifetime Mortgage you are in control and you are guaranteed that you can stay in your home for the rest of your life.
Yes, plans can be transferred to a new home (subject to the lender’s criteria at the time).
If the Equity Release is in both of your names, your partner would be able to remain in the home as long as they wish. If your partner was not part of the scheme and presuming they would not be able to repay the lifetime mortgage in full, then the property would have to be sold and your partner would need to find alternative accommodation.
You will be responsible for keeping the property in good repair as well as insuring the property and paying all the property related bills such as council tax and utilities.
The remaining partner may remain in the home as long as they want to and the property would not be counted in the means test for long term care fees.
Contact the Equity Release team on 0203 757 6000.

How to Secure an Equity Release Lifetime Mortgage

Securing a lifetime mortgage requires careful consideration and specialist advice. Our experienced advisers at HFMC Wealth can help you navigate the options and find the perfect solution for your retirement goals.

We’ll work with you to create a detailed financial plan that outlines the potential risks, costs, and benefits of the equity release option. We’ll explore alternative options such as downsizing or other forms of financing before settling on a lifetime mortgage.

Ready to take the first step towards financial freedom in retirement?

We have access to a wide range of lenders and products, so we can find the right match for your unique needs. Get in touch with HFMC Wealth today to learn more about how we could help you secure a lifetime mortgage and take the first step towards financial freedom in retirement.


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