© Equity Release UK 2011

Welcome To Equity Release UK Freephone 08000 855613 Here to help you. Equity Release Schemes provide ways to unlock some of the market value (or equity) in your property.  For example you could downsize to a smaller property or one of lower value - perhaps by moving to a different part of the UK where house prices are cheaper. Downsizing will give you maximum value from your home, but there may be disadvantages such as the hassle, disruption and cost of moving. You may also be very attached to the area where you currently live. Equity Release is a solution that allows you to stay just where you are. Equity release plans are available that allow you to release much needed cash from your home, whilst retaining the right to live in it for the rest of your life. If you still have an outstanding mortgage on your property you must pay if off, either by using some of the proceeds from your Equity Release plan or from other funds. Once that’s done, the equity you release may be spent as you wish.  This could be on holidays, a new car, conservatory, meeting unexpected situations such as health care or simply enjoying more time with family and loved ones. What’s more, your Equity Release can help you fund your retirement or provide reassurance that your spouse and family will be provided for when you pass away. Remember, all circumstances are different, and whilst Equity Release schemes can be helpful in certain circumstances they are not suitable for everyone. That’s why getting the right advice is so important. Speak to a qualified Equity Release Advisor. Our friendly impartial advice can help you decide on the product suitable for you. You are under no obligation. AN EQUITY RELEASE PLAN WILL REDUCE THE VALUE OF YOUR ESTATE. EQUITY RELEASE WILL NOT BE SUITABLE FOR EVERYONE AND MAY AFFECT YOUR ENTITLEMENT TO STATE BENEFIT. TO UNDERSTAND THE FEATURES AND RISKS OF EQUITY RELEASE ASK FOR A PERSONALISED ILLUSTRATION. Equity Release UK is a trading style for website use only of Independent Debt Management Ltd. Independent Debt Management Ltd is an Introducer Appointed Representative to Personal Touch Finance Equity Release which is a trading style of Personal Touch Financial Services Ltd which is authorised and regulated by the Financial Services Authority. Fee statement - Personal Touch Finance Equity Release charge a fee of £995 payable upon completion of an equity release product Equity Release plans lets you release money from your home (the equity), without the need to move. This is done by borrowing on, or selling all or part of your home to release equity when you want it. Roll-up Lifetime Mortgages A roll-up lifetime mortgage allows you to borrow money secured against your home. You receive an agreed sum against the value of your property and interest payments are added each year to the loan. Click to find out more about Roll-up Lifetime Mortgages Fixed Repayment Lifetime Mortgages With a fixed repayment mortgage, the amount you repay is set from the outset of the plan. This amount is calculated depending on criteria such as your age, health and property value. Click to find out more about Fixed Repayment Lifetime Mortgages Drawdown Plans for Equity Release A drawdown mortgage is a type of lifetime mortgage that operates in a similar way to the roll-up mortgage. Click to find out more about Drawdown Plans Home Reversion Schemes A home reversion scheme involves you selling part or all of the value of your property to the equity release provider in exchange for a lump sum. Click to find out more about Home Reversion Schemes

Equity Release UK explaining the types of equity release plans, drawdown mortgages, lifetime mortgages, home reversion plans and equity release calulators