We offer a unique fixed fee service of £995

Accessing the Value of Your Home

“The whole experience of our equity release plan was painless with Rory's guidance through the whole process." 

- Mr K

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Find out how much you may be eligible for

The calculator gives you the maximum amount an equity release lender is likely to lend based on your property value and age. However, if you are able to borrow less you are likely to receive a better interest rate.

  • Set your age
  • Set your property value


Equity Release Calculator

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Property Value: £


Highest Loan potentially available:
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Equity Release Mortgage Advice

Is an Equity Release Mortgage right for me? 

Equity release mortgages are a growth area and a good deal more competitive than they were. With new lenders competing over an ageing population, we can explain in plain English the benefits and drawbacks. We'll help you find the best lender and scheme for you, in this fast changing sector.

An equity release scheme is a lifetime mortgage secured against your home. It is presumed the mortgage loan will be repaid upon your death. An equity release plan is not something to rush into; we will take the time to talk you through all the options available to you and help you to decide if equity release is the best option. 

We have a fixed fee of £995, regardless of the value of your plan, which is only payable upon completion. If for some reason you decide not to go ahead with your mortgage, no fee will be charged. 


The four main reasons people choose an Equity Release Mortgage

Gifting - Giving your children a significant deposit, allowing them to buy their first home. 

Inheritance Tax - Giving your loved ones their inheritance now to see them enjoy it and potentially minimising inheritance tax liability. 

Solution to an Interest only Mortgage - Allowing you to fully repay your mortgage and stay in your own home for as long as you wish. 

Boosting Income - A lifetime mortgage allowing you to draw down additional money as and when required to pay for those little extras.

To find out more visit:

Age UK Equity Release Guide

Before Taking out an Equity Release mortgage

Equity release mortgages are a lifetime commitment that are only expected to be repaid upon your death, or entry into long-term care. We will explain the early repayment charges which may apply if you decide to repay the plan early. We will explain how the compound interest on a lifetime mortgage adds up, and how the amount you owe can grow quite quickly. This could reduce your estate for inheritance purposes. Remember a lifetime mortgage is secured against your home. You should always think carefully before securing a loan against your property
Equity release is available for homeowners with a property worth at least £70,000 and aged between 55 and 95. The most popular type of equity release plan is a lifetime mortgage, which allows you to remain the owner of your home and stay in your home for as long as you want to.

What makes us different?

We are truly independent, we deal with all providers, meaning we really can source the best options available to you.

We recognise this is an area people are concerned about. Equity release mortgages have historically had a lot of bad press. This is why customer service and transparency are of the utmost importance in what we do.

We are there for you throughout the whole process, getting the right deal for for you and ensuring you are equipped to make informed decisions about your future.

We are always happy to visit people where they feel most comfortable; you come to us or we'll come to you, whichever suits you best. We have the same approach with family and friends, we're very happy for them to be involved.

To top it off, we charge a fixed fee - no matter what! And we'll only invoice upon completion.

What our Clients have to say...

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.
We obtained our lifetime Mortgage within weeks and have remained in our property. We were consulted and advised by Mr... ...read more

Mr G

The whole experience of our Equity release plan was painless, with Rory
The whole experience of our Equity release plan was painless, with Rory's guidance through the whole process we were able... ...read more

Mr S

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.
The process was smooth and seamless, we were consulted and advised by Mr Joseph at every step of the process.... ...read more

Mr C