We offer a standard fixed fee service of £1250*

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Equity Release Advice

from Independent Advisers

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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 £1250 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. 

Find out what our clients have to say....

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.
“ Our solicitor, was so impressed that he said he intended to recommend it to his other cients. All in all,...” ...read more

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.
“ We were rather sceptical about ‘equity release’ having heard tales of extortionate pay back rates etc. Once ERMA were involved...” ...read more

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

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

01462 341 241

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EQUITY RELEASE REDUCES YOUR ESTATE'S VALUE AND MAY AFFECT ANY MEANS-TESTED BENEFITS YOU'RE ELIGIBLE FOR. A LIFETIME MORTGAGE IS A LOAN SECURED AGAINST YOUR HOME. 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.

Equity Release Mortgage Advice Ltd is registered in England & Wales, No. 09856670. Registered office address, 21a Churchyard, Hitchin, Hertfordshire SG5 1HP

Equity Release Mortgage Advice Ltd (FCA no.725996) is an appointed representative of JLM Mortgage Network Ltd. which is authorised and regulated by the Financial Conduct Authority (FCA) registration number 300629 We are entered on the Financial Services Register at https://register.fca.org.uk/. The FCA do not regulate some forms of mortgages.

The information contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.

Should you have cause to complain, and you are not satisfied with our response to your complaint you may be able to refer it to the Financial Ombudsman Service, which can be contacted as follows: The Financial Ombudsman Service Exchange Tower, London, E14 9SR Tel: 0800 023 4567 or 0300 123 9 123 www.financial-ombudsman.org.uk

We charge a standard fee of £1250* on offer, payable at completion. We will also be paid commission by the lender.

*For standard Equity Release applications, a fee of £1250 will be payable upon a mortgage offer being issued. For Equity Release further advance applications, a fee of £995 will be payable upon a mortgage offer being issued. For complex Equity Release applications, a fee of £1750 will be payable upon a mortgage offer being issued. We will also be paid commission by the lender.
A complex case could be described as, but not limited to; Clients who have lost capacity either with Lasting Power of Attorneys or deputies appointed by the court of protection; Equity Release Purchase applications; Equity Release for divorce cases; Known problems with property or location which might lead to multiple applications