Rookery Farm
Mile Hill
Porthtowan
Truro TR4 8TY

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This is very much a 'what if?' page. On it, you will find access to equity release calculators for all of the available choices.

There are calculators for: a lifetime mortgage, two different kinds of the home reversion plan, an interest only mortgage mortgage, and a comparison showing the differences between the lifetime mortgage and the home reversion plans.

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The Mortgage Shop is a retired IFA that no longer gives direct advice on or arranges Equity Release. Instead, it passes your enquiry to a fully qualified and licensed professional firm in your local area that will do this for you. This is a FREE referral; service to you, without any obligation, and you are completely at liberty to negotiate with the firm concerned the terms for their advice and services. The information provided is on the basis of our understanding of UK tax law and Inland Revenue practice and is subject to change.  This site is intended for persons aged 18 or over, resident or ordinarily resident, in the United Kingdom. email: bobstark@mortgagefor.me.uk  Tel/Fax 01209 890762

This is about Equity Release Plans. To understand the features and risks, ask for a personalised illustration. The actual APR rate available will depend upon your circumstances.

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I recently succesfully challenged a DWP statement that a married couple were not entitled to  Pension Credits. As a result, their income was increased by almost £175 per month

They are there to help you evaluate the possible consequences of making a particular financial decision. However, they are only a tool - they are not infallible. The actual results of the decisions you make will be materially affected by events, such as inflation, interest rates and investment returns, which by their very nature are ephemeral and variable. They have yet to happen and cannot be forecasted with any degree of accuracy except, possibly, in the very short term.

The calculators are there to give you food for thought and to compare the possible effects of different choices. By all means use them, they are reasonably accurate, but the results are not guaranteed. Only a formal current Lender's quotation will give you the exact amounts available.