EQUITY RELEASE MORTGAGES
Unlock the value of your home with expert, whole-of-market advice from Watts Mortgage and Wealth Management Ltd. Our specialist advisers always act in your interests, taking the time to understand your needs, and if Equity Release isn’t right for you, we’ll tell you.
If you’re over 55 and a homeowner, an Equity Release mortgage could allow you to access tax-free cash from the value tied up in your home, without the need to move. At Watts Mortgage and Wealth Management Ltd, we provide independent, whole-of-market mortgage advice, helping you find the best equity release product tailored to your circumstances.
Equity release refers to a range of products that let you access the equity (cash) tied up in your home if you’re aged 55 or older. The most common form is a lifetime mortgage, where you borrow against your home’s value and repay the loan (plus interest) when you die or move into long-term care.
You continue to own your home and can choose to make repayments or let the interest roll up over time.
If you are a buy to let property owner, or you own more than one property, then there are also products available that let you access equity tied up in these properties.
- Independent and whole-of-market: Working for you, not the lenders.
- Experienced advisors: Specialists in equity release and later life lending.
- Personalised service: One-to-one consultations from our Nantwich office or the comfort of your home.
- Authorised and regulated: FCA-authorised and members of the Equity Release Council for your peace of mind.
- Speak to an independent adviser
Choose a whole-of-market broker like Watts Mortgage and Wealth Management Ltd to explore all available products, not just a single lender’s offering. - Understand all your options
Equity release isn’t right for everyone. Consider alternatives like downsizing or using savings first. - Get your family involved
Open discussions with your family can avoid surprises later and help with estate planning. - Use an FCA-regulated broker
Ensure your adviser is authorised by the Financial Conduct Authority and a member of the Equity Release Council, as we are. - Plan for the future
Understand how equity release may impact your inheritance, benefits, or future care needs — we’ll guide you through every aspect.
Our specialist advisers always act in your interests, taking the time to understand your needs, and if equity release isn’t right for you, we’ll tell you. To find out more about how to get started with an equity release mortgage, talk to one of our independent advisers today by calling 01270 620555 or fill in the enquiry form. We’d be delighted to assist you.
MAKE AN ENQUIRY
If you’re looking for mortgage advice, contact Watts IFA today. Our expert team can help you secure the best mortgage based on your contracting status and financial situation.
Rachel Price
Senior Mortgage Adviser
“Equity Release is something I’ve grown passionate about, especially after seeing how it’s helped many of my clients enjoy their retirement with more freedom and less financial worry. It’s not just about unlocking money from your home, it’s about making the most of life.
I work with people who want to top up their income, gift money to family, or fund those long-held retirement plans. Equity release isn’t right for everyone, but when it is the right fit, it can be genuinely life changing. I take the time to talk things through so we can explore what funds you may need and when. If you’re exploring your options or just want to understand how it all works the team at Watts are here to guide you every step of the way.”
With our extensive experience and access to a vast lender network, Watts Mortgage & Wealth Management Ltd is the ideal partner for those seeking a tailored mortgage solution. Contact us today, and let our dedicated advisers guide you through the process.
AWARDS AND ACHIEVEMENTS
Equity Release mortgage FAQs
Yes, when arranged through an Equity Release Council member, equity release is highly regulated and comes with key protections. At Watts Mortgage and Wealth Management Ltd, we ensure you receive clear, honest, and impartial advice to fully understand your options.
We only recommend plans approved by the Equity Release Council, which ensures you have important guarantees such as:
- No negative equity
- The right to remain in your home for life
To be eligible, you generally need to:
- Be aged 55 or over
- Own your home outright or have a small remaining mortgage
- Live in a property that meets lender criteria.
This depends on your age, property value, and type of plan. Typically, the older you are, the more equity you can release. Our experienced advisers will provide a free, no-obligation estimate based on your circumstances.
Yes. With a lifetime mortgage (the most common type of equity release), you remain the full owner of your home.
FIND THE BEST MORTGAGE DEAL FOR YOU
Let us help you find the right mortgage for your home or buy to let.
- Completely free search
- Won’t affect your credit score
- Independent, UK-based advice
- Award-winning mortgage broker
Our mortgage advice
If we can help with your mortgage needs, find out more here.
INDEPENDENT MORTGAGE ADVICE AND PROTECTION FOR YOU
Welcome to Watts!
Our friendly, knowledgeable and experienced team are here to help find the right mortgage and life insurance for you. We have helped thousands of clients, over 30 years buy their dream home and ensure their family is protected.
We are a family business and pride ourselves on our customer service. As an independent company, we can search from over 100 lenders and insurance companies to help you get the best deal.
Get a quick quote above or contact us today.
We search over 100 lenders to find the right mortgage for you
I just wanted to say a massive thank you for your assistance in my purchase. I would like to place on record my appreciation of the professionalism and tenacity of Emma. She has kept me fully updated in terms of progress and answered all of my questions in a timely manner. Great service and hope we can do business again in the future.
A. Henshall
