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Equity Release

financial solutions

AAP Financial Solutions Ltd

2b Stanhope Gate,

Stanhope Road,



GU15 3DW

01276 423460     07973 421446

01276 423460  /  07973 421446


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Equity Release

Releasing Equity from your property.

If you are thinking of taking out an equity release plan then you need to find out as much as you can about your options and weigh up the advantages and disadvantages fully before you decide if equity release is right for you. Contact us today and take the first step towards releasing the capital you require.

You may have heard this term for several things such as remortgaging your house or selling and renting back your house, but for these purposes equity release is the phrase used to describe the regulated plans called Lifetime Mortgages and Home Reversion plans.


Both are regulated by the Financial Conduct Authority and are available to help people release the equity they have tied up in their homes without them having to move.


Regulated equity release has increased in popularity over the years and the flexibility and safeguards which are built into equity release plans have enabled thousands of home owners to tap safely into their biggest asset, their home, without having to worry about making monthly repayments.

Lifetime Mortgages

If both you and your partner are aged over 55, then you could be eligible for a lifetime mortgage. This is a special type of mortgage that enables you to unlock some of the financial investment that you have made in your home.

The Lifetime Mortgage is designed to enable you and your partner to continue living in your home for as long as you wish. The mortgage is secured on your home like any other mortgage, however no monthly payments have to be made. You will also have no interest to pay at all during your lifetime. Instead, the interest is added up with the loan and the whole debt is then paid off using the proceeds from the sale of the property when the borrowerdies, or moves into a nursing home.

If you are considering a lifetime mortgage it is important that you talk to a specialised adviser so contact us today to receive our prompt attention.

Home Reversion Schemes


These schemes mean that all or part of your home is sold to an investment company. These are called "Reversion Companies". In return they will give you a cash lump sum, or an income for the rest of your life and sometimes a combination of both.


In technical terms you then become a tenant of the reversion company, although you have the right to live there for the rest of your life rent free or for a nominal rent. This is called a lifetime lease.

This can be complicated to explain, but we will go through your own circumstances and finances with you in great detail to demonstrate precisely how much money you could obtain from your property under this kind of scheme.


Because you are continuing to live in the property and it is unknown when the reversion company will get their money back, you will not get the full current market value of your property. Selling all of your property to the reversion company will mean that you will typically only get between 30% and 60% of its value at the time of sale. Figures are calculated taking into consideration your age and that of your partner's and older people will get more. Men also get more than women because women are expected to live longer.


If you are selling your home along with your spouse or partner, it would only be sold by the reversion company after the last of you dying or moving into long term care. Any money left after the sale would go into your estate as usual, unless you had sold 100% of your property to the reversion company.


Contact us today to find out if a Home Reversion Scheme would be suitable for you.

AAP Financial Solutions  Limited  is an Appointed Representative of Personal Touch Financial Services Ltd which is authorised and regulated by the Financial Conduct Authority

The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK. 

Registered in England and Wales  |  Company number 07768246 |  Registered address : 2b Stanhope Gate,Stanhope Road,Camberley,Surrey,GU15 3DW



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We normally charge a fee for mortgage advice, however this will be dependent on your circumstances. If a fee is charged our typical fee is £395

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This is a home reversion plan. To understand the features and risks please ask for a personalised illustration.


A home reversion plan will reduce the value of your estate, will not be suitable for everyone and may affect your entitlement to state benefits.


We normally charge a fee for Equity Release advice, however this will be dependent on your circumstances. Our typical fee is £895. £395 payable on application and £500 on completion.

This is a lifetime mortgage. To understand the features and risks please ask for a personalised illustration.


A Lifetime Mortgage will reduce the value of your estate, will not be suitable for everyone and may affect your entitlement to state benefits.

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