Impartial and personal equity release advice from experts in Cambridge

Record numbers of people are freeing up money from their properties, and the equity release market is increasingly competitive, with hundreds of products available.

Lifetime mortgages in Cambridge

If you are a homeowner over 55 and considering releasing equity, I offer specialist advice. As a highly experienced equity release adviser, I am here to help you understand your choices, and I have access to the whole of the equity release market, so I can research it to find the best options for you. I am a proud member of the Equity Release Council and uphold the high standards they set for services.

I am fully qualified to offer advice and regulated by the FCA. Any initial consultation is free of charge, and I am always happy to meet with you at a convenient location. I run the business myself. I have worked in finance since 1996 and am passionate about the service I offer.

What exactly is equity release? This term refers to a range of financial products that let you access the cash or equity tied up in your home. You can release this money in one lump sum or access it in smaller amounts when needed.

This money is completely tax-free.

• Independent equity release expert with access to the whole of the market
• Clear and tailored advice for you around your circumstances
• Equity Release Council member who follows strict guidelines
• Free and no-obligation equity release consultations

Would you like to see if equity release could help finance a better retirement? Call me now on 07768 972861.

Reasons to release equity from your Cambridge home

• To pay off existing debts or a residential mortgage
• To fund home improvements or adapt your home so you can continue living there
• To add to your retirement income for day-to-day living costs
• To help children or grandchildren with a 'living inheritance', usually used for housing costs to pay for a wedding or education
• To go on holiday or travel more
• To fund care at home or private medical bills

Why release equity in Cambridge, CB1? I can tell you more about over 55 home loans

Many retirees find themselves asset-rich and cash poor. Famous for its world-leading University, house prices in Cambridge have risen rapidly over recent years.

Known for its stunning architecture, streets and countryside, it also boasts a bustling and vibrant city centre. It is regularly voted as one of the best places to live and work in the UK in annual polls. Land Registry figures for July 2026 put the average home in Cambridge at £475,000.

Detached houses averaged £979,000, semi-detached homes £603,000, terraced homes £494,000 and flats £299,000. Prices were level with a year earlier.

Lifetime Mortgages in Grantchester: What do you need to know?

Talk to me if you are based in Grantchester or Cambridge and are thinking about releasing equity. There are two types of equity release: Home reversion plans and lifetime mortgages, with the latter as the far more popular option. I advise on lifetime mortgages only, though I will always explain how the two differ. A lifetime mortgage involves taking a type of mortgage that does not require monthly payments, like a traditional mortgage.

Instead, you retain ownership of your home, and interest on the loan is rolled up or compounded over time. The loan and rolled-up interest are repaid by your estate when you move into long-term care or die. If you are part of a couple, the repayment is not made until the last remaining person living either passes away or moves into care, meaning that both you and your partner are free to live in your home for the rest of your lives.

Lifetime mortgages are available with several different features, including the option to make monthly repayments if you wish to reduce the amount of interest accrued. You can also elect to protect some of the value of your property as an inheritance for your family, meaning that you can benefit from releasing equity while still retaining something to pass on to your loved ones. Lifetime mortgages require all homeowners to be at least 55 years old.

In addition, any mortgage or other debt secured on the property has to be paid off. If you still have a mortgage secured on your property, most lenders will make it a condition that it is paid off from your lump sum as soon as you receive it. All the Lifetime Mortgage products I recommend have a no negative equity guarantee, which ensures that you will never owe more than the sale value of your home.

Book an equity release consultation with Jeremy.

No obligation consultations can be held in the comfort of your own home in any of the following locations:

Cambridge · Cherry Hinton · Chesterton · Coton · Fulbourn · Fulbourne · Girton · Hauxton · Histon · Madingley · Milton · Stow Cum Quy · Teversham · Trumpington

Why release equity in Cambridge?

If you are wondering how to use your equity release money in Cambridge, the choice is entirely yours. There are no limits on how you spend your money.

Some popular reasons for releasing equity include:

• Clearing existing mortgages so there are no more monthly repayments and you own your home
• Clearing outstanding debts, such as credit card loans and car loans
• Enjoying a better standard of living and having more money for day-to-day costs
• Home improvements, extensions, and renovations
• Family holidays or luxury getaways
• Gifting money to family to pay for education costs or to help them get onto the property ladder
• Paying for private medical care or care at home