Free Home Visit
Book a Free Home Visit to Discuss Your Equity Release Options
Equity release is a major financial decision, and we believe it deserves more than a rushed telephone call. That is why My Later Life offers free home visits, giving you the time and space to ask questions and understand your options properly.
Why We Offer Free Equity Release Home Visits
At My Later Life, we are a little old fashioned when it comes to financial advice.
We believe important decisions are often easier to understand when you can sit down with someone face to face, take your time and talk through everything properly.
Taking out equity release is not an easy or everyday decision. It can affect your home, your estate, your inheritance and your financial plans for the future.
That is why we offer our service in your home, where you can feel comfortable, have your paperwork nearby and include family members if you wish, although and initial call will always be needed first to check you quilify and its right for you.
We are happy to pop in for a cup of tea, listen to what you want to achieve and explain the available options in plain English.
What Happens During a Home Visit?
A home visit is designed to be relaxed and informative.
Your adviser will take the time to understand your circumstances, why you are considering equity release and what matters most to you.
We begin by understanding your goals, concerns and plans for the future.
We talk through lifetime mortgages, possible alternatives, costs and risks.
There is plenty of time to discuss anything you are unsure about.
You will not be expected to make an immediate decision.
Why Face-to-Face Advice Can Make a Difference
Equity release can involve unfamiliar terms, different plan features and important long-term consequences.
A face-to-face meeting can make it easier to slow the conversation down, revisit anything that is unclear and look at your wider circumstances rather than focusing only on how much you may be able to release.
You can also have a trusted family member or friend present if that would make you feel more comfortable.
You should never feel rushed into taking out equity release. A responsible adviser should give you time to understand the recommendation and consider whether it is right for you.
Questions You May Want to Ask
We understand that you may have many questions before deciding whether equity release is suitable.
The amount may depend on your age, property value, health and the lender’s criteria.
We can explain interest, fees, compound growth and the projected future balance.
Many plans allow voluntary repayments, although the conditions vary. My Later Life does recommend that you make some replyments if possible.
Equity release will usually reduce the value of your estate although hopefully your property will gain in value over time.
Plans may be portable to another suitable property, subject to lender criteria.
We can discuss downsizing, savings, other borrowing and possible financial support.
Local Advisers Across the Country
My Later Life has advisers based in different parts of the country, which helps us arrange home visits without making the process feel distant or impersonal.
Where a suitable adviser is available in your area, we can arrange for them to visit you at home at a convenient time.
This means you can speak to someone who understands the importance of a personal conversation and who can explain the process clearly from the beginning.
Home-visit availability may depend on your location and adviser availability. We will confirm this when you contact us.
You Do Not Have to Decide on the Day
A home visit is not about asking you to sign paperwork before you have had time to think.
Equity release is a long-term commitment, and you should feel confident that you understand the recommendation, the risks and the alternatives.
You may want to speak to your family, review the information again or ask further questions before making any decision.
We believe that is a sensible and responsible way to approach equity release.
What We Will Discuss With You
What you want the money for and whether the amount is realistic.
Income, savings, debts, existing mortgage and possible future needs.
Value, type, condition, location and whether it meets lender requirements.
Moving home, making repayments, leaving an inheritance and possible care needs.
Will We Discuss Alternatives to Equity Release?
Yes.
Good advice should not begin with the assumption that equity release is automatically the right answer.
Depending on your circumstances, alternatives may include:
Existing savings or investments may cover some or all of the amount needed.
Moving to a less expensive property could release money without taking out a lifetime mortgage.
A retirement interest-only mortgage or another product may be worth considering.
You may be entitled to support that reduces the amount you need to raise.
How My Later Life Can Help
At My Later Life, we believe financial advice should feel personal.
We understand that equity release can be difficult to discuss and that you may need time to think through the effect it could have on your home, family and future.
Our home-visit service gives you the chance to speak with a qualified adviser in familiar surroundings, ask as many questions as you need and explore the available options without feeling rushed.
Where equity release is suitable, we can explain the recommendation clearly. Where it is not suitable, we will tell you and discuss other options that may be worth considering.
Free Equity Release Home Visit FAQs
Is the equity release home visit really free?
There is no charge for the initial home visit. Any advice fee that could apply if you later choose to proceed should be explained clearly before you make a commitment.
Am I expected to make a decision during the visit?
No. The purpose of the visit is to help you understand your options. You should take the time you need before deciding whether to proceed.
Can a family member be present?
Yes. You are welcome to invite a family member, friend or other trusted person to join the conversation.
How long will the home visit take?
The length of the meeting will depend on your circumstances and the number of questions you have. We aim to give you enough time without making the meeting feel rushed.
Do you cover the whole of the UK?
We have advisers based in different areas of the country. Availability will depend on your location, and we will confirm whether a home visit can be arranged when you contact us.
What should I have ready for the meeting?
It may help to have details of your income, savings, existing mortgage, debts and property available. Your adviser can explain what information is needed before the visit.
Does booking a visit mean I have to take out equity release?
No. Booking a visit does not commit you to taking out a lifetime mortgage or any other product.
Would You Like Us to Visit You at Home?
Arrange a free, no-obligation home visit and speak to a qualified adviser about your equity release options in the comfort of your own home.
Call 0207 100 4255 Explore Your OptionsFinal Word
Equity release is a major decision, and you should never feel that you have to understand everything in one quick conversation.
A free home visit gives you the chance to sit down with an adviser, ask questions, involve your family and consider the available options at your own pace.
At My Later Life, we are happy to do things the old-fashioned way: face to face, with time to listen and a cup of tea if needed.
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Home visit disclaimer: Home visits are only offered after an initial conversation with one of our equity release specialists. This first discussion helps us understand your circumstances and check whether equity release may be a suitable option for you. A home visit is not guaranteed and will depend on your needs, location and adviser availability.
N.B. “This is a lifetime mortgage. To understand the features and risks, please ask for a personalised illustration. 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.”
