Want to know more about equity release?
Watch our two-minute that will explain how equity release could work for you.
Would you like to know more, call us on 0800 999 3339 or book a call back.
Richard has been voted ‘mortgage adviser of the year’ and won numerous industry awards.
Tom is an accredited later life Lending professional with The London Institute of Banking & Finance.
See how much you could release with our simple lifetime mortgage calculator.
"Richard Wylder gave exemplary service through what became a very lengthy Equity Release mortgage application. We had many difficulties mostly from poor legal advice but every time Richard rose to the challenge and found an answer to each and every problem. He must have put many hours of work into our application but always tried to appear upbeat and positive which gave us confidence. We are happy he was our financial adviser and not sure anyone else could have got the job done!"
Anne Pope
If you’re over 55 and own your home, equity release could give you access to tax-free cash without the need to sell or move. Often called a ‘lifetime mortgage’, it allows you to borrow against your property’s value or sell a portion of it in return for a lump sum or regular payments. Some plans even let you release more money later if required. If you still have a mortgage, equity release funds must be used to clear it first.
Yes, it’s a regulated and secure option. We are fully authorised by the Financial Conduct Authority (FCA) and proud members of the Equity Release Council, meaning we follow strict rules designed to protect you. Plus, with a lifetime mortgage, you or your estate will never owe more than your home’s sale value – as long as it’s sold for a fair market price.
It’s completely up to you! Whether you want to renovate your home, pay off debts, buy a new car, or simply enjoy a more comfortable retirement, equity release gives you the financial freedom to make it happen.
Here are a few of the most common reasons people choose equity release.
Repaying
University or weddings
At Equity Release and Mortgage Partnership Lancashire, we specialise in providing expert mortgage and equity release advice, tailored to suit your individual needs. With years of experience in the industry, we have helped countless homeowners unlock the value in their properties and make informed financial decisions that support their future goals.
We understand that navigating equity release can feel overwhelming, which is why we take a clear and straightforward approach. Our goal is to make the process as simple and stress-free as possible, ensuring you fully understand your options and feel confident in your decision. Whether you’re looking to boost your retirement income, pay off existing debts, or fund home improvements, we’ll guide you every step of the way.
Our commitment is to provide trusted, professional advice that’s tailored to your circumstances, helping you achieve financial peace of mind while remaining in the home you love.
We compare multiple plans to find the best fit for you.
We handle the paperwork, so everything runs smoothly.
With a reputation for honesty and great service, you’re in safe hands.
Here’s what to expect when you work with us for equity release, if you live in Lancashire.
You get in touch for a no-obligation chat, either over the phone or face to face. Your adviser will explain how equity release works, answer initial questions, and check whether it could be suitable.
If equity release looks appropriate, your adviser will carry out a full assessment of your circumstances and recommend a plan tailored to your needs.
Your chosen lender will arrange an independent valuation of your home. This confirms the property value and the final amount you can release.
You’ll receive independent legal advice from a solicitor of your choice. They’ll explain everything in plain English and handle the legal side before completion.
Once everything is approved, your equity is released to you as a lump sum, smaller amounts, or a mix of both. You remain the owner of your home for life, with no mandatory monthly repayments.
You’re supported at every stage, and you’re free to stop the process at any time.
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY DEBT SECURED ON IT.
Equity Release and Mortgage Partnership Ltd is directly authorised and regulated by the Financial Conduct Authority (FCA) and is entered on the financial services register http://register.fca.org.uk under reference 986900. Privacy Notice. Update cookies preferences
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