Equity Release

Equity Release Advice

from Independent Advisers

Who are Equity Release Mortgage Advice?

Equity Release Mortgage Advice is a subsidiary of JLM Mortgage Services Ltd. JLM is one of the fastest organically grown mortgage networks in the UK; privately owned, enabling us to put our customers first. Our customers are at the heart of everything we do. It is this approach that has seen us sign over a billion pounds’ worth of business and continue to exceed our targets.

Our founding Director Rory Joseph has over 24 years’ experience in the mortgage market and extensive knowledge in this particular area. All advisers are Cemap and CeRER qualified.

You might have heard Rory on his regular guest slot with Nick Coffer on BBC Three Counties Radio, dispensing financial advice.

What Makes Us Different?

Unlike other intermediary firms whose fees are based upon percentage of loan, we charge a fixed fee of £995 for every client, regardless of the loan amount.

With every client we fully analyse the advantages and disadvantages of every part of their new mortgage. We will consider fixed and variable rates, fixed and variable early repayment charges, and whether a draw down facility might their needs.

Our customer service is built on an enviable track record of transparency and ensuring customers are fully informed throughout the whole process. This approach ensures our customers are confident in the service we provide. But don't take our word for it, see what our clients have to say.

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What our clients have to say

“ The whole experience of our Equity release plan was painless, with Rory's guidance through the whole process we were able to convert our existing mortgage to Equity Release and only have praise for the professional help we received throughout.”

“ We needed to settle our mortgage and spoke with Rory who advised Equity Release was a good way to settle the matter. We followed his advice and the process could not have been made any easier and was completed within weeks.”

“ We obtained our lifetime Mortgage within weeks and have remained in our property. We were consulted and advised by Mr Joseph at every step of the process. We are very happy with our choice of a lifetime mortgage, our choice of JLM mortgage services and the attention to detail demonstrated by Mr Joseph.”

  • Specialist Mortgages

“ Our solicitor, was so impressed that he said he intended to recommend it to his other cients. All in all, Equity Release seems an ideal way of releasing funds to both our children and ourselves now, rather than waiting till we depart this world, losing much of our estate in taxes.”

  • Specialist Mortgages

“ The process was smooth and seamless, we were consulted and advised by Mr Joseph at every step of the process. He remained in easy contact and was able to either answer our questions immediately or very soon after return with an appropriate answer.”

  • Specialist Mortgages

“ We were rather sceptical about ‘equity release’ having heard tales of extortionate pay back rates etc. Once ERMA were involved information became much clearer. They explained the different types of ‘equity release’ and gave us concise and understandable information so that we could form our own decision on what was right for our own individual circumstance.”

  • Specialist Mortgages


Need help? One of our Consultants will get in touch to discuss your specific requirements.