Equity Release

Equity release, sometimes called a lifetime mortgage is a way of releasing cash from the value of your home. You can get the money you need to live your life without the need to move house.

Releasing equity in your home can be daunting. There are lots of options available and lots of rules and regulations making it difficult to understand how to get what you want. That’s where we can help.

Our clients use equity release for a number of reasons: a specific purchase, to repay outstanding mortgages or debts, to help top up their pension for income, gifting money to their family – and many others.

Ardent is a member of the Equity Release Council and our advisers Ruth & Michael are both individually registered.

We can offer:

  • Face to face advice either in the comfort of your own home or at our office in York
  • Fully independent advice from the whole of the market which includes all retirement lending products available – this means we’re not tied to the products of a particular lender
  • Liaising between the lender and solicitor to ensure a smooth process from start to finish

Call us today

Get in touch

Some frequently asked questions to help with your decision making:

How old do I have to be?

You need to be aged 55 and over and to own your home

Why Ardent?

As members of the Equity Release Council we can ensure we follow the high standards of conduct and practice in the provision of advice on equity release, which have consumer safeguards at its heart.

Our advisers hold the necessary qualifications in Equity release to meet the requirements of our regulator the Financial Conduct Authority.

What can I use the money for?

Releasing equity in your home for a specific purchase, to repay debts including a mortgage, gifting to your children or grandchildren or to increasing your income levels in retirement.

How much do you charge?

We provide a no obligation initial consultation at our office, or, our experts will happily visit you at your home. If you decide to work with us, we charge £495 for this service – which is payable at the end of the process when the funds are released to you.

Here’s some important points we need to make sure you’re aware of:

  • This is a lifetime mortgage or home reversion plan. To understand the features and risks, please ask for a personalised illustration
  • The value of your estate will reduce and the amount you can pass on in inheritance via your estate will therefore also decrease.
  • Your entitlement to certain state benefits may be affected.

Call us today and we’ll guide you through the process for peace of mind.

Get in touch

Meet our Equity Release specialists

Michael Oglesby

Director & Specialist Later Life Financial Planner


Later-Life Financial Planning

Ruth Norman

Financial Planner


Financial Planning, Equity Release

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