🏡 Lifetime & Equity Release Mortgages in Hastings

Looking to release cash from your Hastings or St Leonards home? Whether it’s for renovations, regular income or family support, we’ll help you understand equity release options and implications. When you’re ready for personalised advice, we’ll connect you with an FCA-regulated equity release adviser.

🔑 Our Role

✔️ Clarify lifetime mortgage vs. home reversion models
✔️ Explain lump sum and drawdown approaches
✔️ Discuss effects on inheritance and benefits eligibility
✔️ Gather the details an adviser needs to make a recommendation

🏦 Main Options

• 💰 Lifetime mortgage: Borrow against your home; interest can roll up or be serviced. Repaid when the last borrower dies or moves into long-term care.

• 🏠 Home reversion: Sell a portion of your property while keeping the right to live there for life.

⚠️ Important Considerations

📜 Estate planning: Borrowing may reduce inheritance
📈 Interest growth: Rolled-up interest increases the balance over time
💳 Benefits: Cash released could affect means-tested benefits
📂 Plan features: Voluntary repayments, ERCs and portability differ

👥 Eligibility Snapshot

🎂 Typically age 55+
🏡 Own a suitable UK property in adequate condition
📊 Release amount linked to age/health and property value

📍 Local Notes

For Hastings’ seafront apartments and Victorian terraces, lenders will review EPCs, construction type and lease details. Property condition and valuation drive how much can be released.

❓ Lifetime & Equity Release FAQs

❓ Can I remain in my home for life?
✅ Yes — that’s the principle of both lifetime mortgages and home reversion (subject to terms).

❓ Will my family need to repay anything?
✅ The loan is typically settled from the property sale after death or long-term care.

❓ Can I protect part of my home’s value?
✅ Some plans offer inheritance protection to ring-fence a percentage.

❓ What if I receive benefits?
✅ Releasing cash can affect means-tested benefits; advice is essential.

❓ Is advice mandatory?
✅ Yes — equity release requires regulated advice tailored to your situation.

🚀 Next Steps

Ready to explore your options? 🏡 Share your aims in Hastings and we’ll outline choices, then connect you with an FCA-regulated adviser for a tailored recommendation.

⚠️ Important: We do not provide regulated mortgage advice. We act as an introducer and may receive a fee for successful introductions.