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Protea Financial Services

8 Deneside

East Dean

BN20 0HU

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Equity Release

There are two types of equity release; Lifetime Mortgages and Home Reversion plans. Both of these are regulated by the Financial Conduct Authority. By using an equity release product, a home owner can draw a lump sum or regular smaller sums from the value of their home, while remaining in their home.


Equity release can play a crucial role in retirement funding and the flexibility and safeguards which are built into plans that complies with the Equity Release Council product standards enable thousands of home owners every year to tap safely in to their housing wealth without having to worry about making monthly repayments.


If you are thinking of taking out an equity release plan then you need to find out as much as you can about your options and weigh up the advantages and disadvantages fully before you decide if equity release is right for you. A fully qualified financial adviser should help you to understand the steps involved and talk you through your options, the effects this might have on state benefits and tax and your obligations. And of course they can also explain the full benefits of equity release. Done correctly, equity release should have no impact on an individual’s tax position or their state benefits; however each individual’s circumstances need to be assessed.


Part of a customer’s choice will be over the type of plan required. In the modern equity release market there are a range of products to choose from, with new and innovative products being created regularly.  This means that whatever your equity release needs, there is likely to be an equity release plan available to meet them.

Equity Release mortgages (also known as Lifetime mortgages) are currently the fastest growing sector in financial services.

This very specialist area of advice is available to homeowners aged 55 and over. The FCA now regulates all Lifetime Mortgages and the advice relating to these. Jacques Pienaar is our Lifetime Mortgage adviser and he can help you with fully regulated, bespoke advice.


Typical reasons why people consider using a Lifetime Mortgage include:

  • Paying off an Interest-Only Mortgage
  • Gifting money to mitigate IHT
  • Income in later life (even if you have a pension in place)
  • Gifting money for love (and seeing our beneficiaries enjoy the gift DURING your lifetime)
  • Home improvements
  • Holiday of a lifetime
  • Divorce settlements
  • Paying for care
  • Paying legal fees
  • Purchasing another property
  • Buying a new home to live in whilst in later life

Jacques is a member of the Equity Release Council.


The Equity Release Council is a voluntary body which aims to ensure that its members are highly professional and act with integrity and transparency in offering high-quality products and services to customers. The Standards Board is incorporated as part of the Equity Release Council and exists to ensure that equity release products are safe and reliable for consumers.


It sets the standards and principles for members of the Equity Release Council that are set out within this document. Through these standards, members can guarantee their customers that they offer products and services which conform to the best practices of the sector, ensuring customers are fully informed and properly protected.


You do not need to prove your income in order to qualify for these mortgages. Your age and your home (or new home) are what the lenders consider when determining what you may borrow. Please contact us for a chat if you would like more information. This service is provided for free by Protea Financial Services, but the adviser this is referred to may charge a fee which would be confirmed to you in writing prior to any application being submitted. Equity release may involve a lifetime mortgage or a home reversion plan. To understand the features and risks, ask for a personalised illustration.


Equity release may impact the size of your estate and it could affect your entitlement to current and future means-tested benefits.

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The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Full details of the FOS can be found on its website at www.financial-ombudsman.org.uk Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it. Protea Financial Services is an Appointed Representative of Julian Harris Mortgages Ltd, authorised and regulated by the Financial Conduct Authority No. 304155 © Anthea Pienaar.