Why consider Equity Release?
	What should you consider before Equity Release?
	What is Equity Release?
	Which Equity Release scheme?
	The importance of Independent advice
	What are the costs?
	Testimonials

Inshore Independent Financial Advisers Ltd is an appointed representative of The Whitechurch Network Limited which is authorised and regulated by the Financial Services Authority.

What should you consider before Equity Release?

Equity release can be the perfect solution for some people but it is not right for everyone and there are a number of other options you should consider first. Once you have eliminated these and you can investigate your options with equity release.

Are you able to downsize?

This means selling your home and buying a cheaper one and so releasing equity. You will need to consider the stress and cost of moving home. If you believe that house prices will rise, you would be reducing your investment in the property market.

Do you have savings or investments you could use?

Do you have savings or investments that you could use or be restructured to improve your income?

Can your family help?

Are your family able to offer you the financial assistance you need. Equity Release will reduce the value of your estate so it is important to discuss your intentions with your family. We would recommend family members attend our meetings with you but ultimately this is your decision.

Have you considered other ways of borrowing money?

This could be a conventional mortgage or loan. However, these involve monthly repayments so would be subject to affordability.

Will releasing money affect your entitlement to State Benefits?

You should check that you are receiving the benefits to which you are entitled. If you are receiving means tested benefits they may be lost or reduced as a result of undergoing equity release. We will help you understand the implications for you in your specific circumstances.

Have you checked your eligibility for a local authority grant?

Assistance may be available for some essential home improvements and repairs.

Equity Release/Home Reversion/Lifetime Mortgage – To understand the features and risks, ask for a personalised illustration.