AMS


Advanced Mortgage Services Ltd is an appointed representative of The On-Line Partnership Limited which is authorised and regulated by the Financial Conduct Authority. Advanced Mortgage Services is registered in England. Company registration number 4751565.

Cherry Tree House, 20 Inverleigh Road, Bournemouth, Dorset, BH6 5HA.

Advanced Mortgage Services Ltd website is only for the use by UK residents & is subject to the UK regulatory regime.


David Hindmarch

Mortgage & Insurance consultant

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Equity Release Risk Warning.

Lifetime mortgage, or home reversion plan.

Equity release may affect your entitlement to state benefits and could reduce the value of your estate. To understand the features and risks, ask for a personalised illustration.

Please think carefully before securing other debts against your home.


Equity Release  Considerations

When considering Equity Release you should remember that you will be securing a loan against your property or selling all or part of your home.This could work out to be expensive over the long term and other options should also be considered.

Downsizing or renting

It may be possible for you to sell your property and move to a smaller less expensive property and release some of the value in the property. You will need to consider the associated sale costs involved in this transaction as they can run into many thousands.

Selling or renting could also be an answer but again long term rental costs could be high and you are unlikely to have the security of your own home.

State Benefits

You could be entitled to state benefits such as pension credits, or reduced council tax payments. You may also be eligible from the local authority housing grant for home improvements or modernisation. Some means tested benefits could be effected by an Equity Release as this could increase the savings you have and the income you receive.

Do I Qualify For Equity Release?

Normally if you are over 55 yrs old and your property is worth over £75,000 you should be eligible for an equity release plan. Some factors such as the type of property maybe restricted if it is non standard construction, short term lease, or restricted use such as retirement properties. This should also be considered if you intend to move property in the future and need to move the Equity Release to the new property. It should also be remembered that future availability of Equity Release funds is not guaranteed.

Costs Involved


Part of my research into the appropriate product will be to try and minimise the costs in the short, medium and long term. This will include such items as valuation fees, arrangement fees, interest rate charges and solicitors fees. These fees with the exception of solicitors fees will be detailed on a personalised key features illustration, which you will receive before any application costs are incurred.

For my Advice, Research, Detailed Client report and Processing the Application I charge a fee of £250 payable on completion of the release of funds.


What is Equity Release?

Lifetime Mortgages

Home Reversion Plans

Equity Release Home

Equity Release Considerations Advice Adviser Broker in Bournemouth, Christchurch, Poole, Highcliffe, New Milton, Lymington, Ringwood, Ferndown, Dorset and Hampshire.


Your home is at risk of repossession if you do not keep up repayments on a mortgage or any other loans secured on it and you should think carefully before securing any debts on your home



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