Equity Release Advice in Swindon & Nationwide

At Mather & Murray Financial, we provide expert equity release advice to help homeowners unlock the value of their property in a way that suits their needs.

Our head office is in Swindon, where we offer face-to-face appointments. However, if you're looking for equity release advice outside of Swindon, our advisers are available nationwide. We can advisers who can see you face-to-face in:

• Bristol & south Wales
• Brighton & the south east
• Cheltenham & Gloucester
• Bath & Somerset
• Birmingham & West Midlands
• Bournemouth and the south coast
• London

For added convenience, we can also arrange home visits or virtual appointments.

What is Equity Release?

Equity release allows you to unlock cash from your home—either as a tax-free lump sum or in smaller instalments as and when you need them—without the need to sell or move.

Our independent equity release advisers provide impartial guidance to help you decide if this is the right option for you.

How Could Equity Release Help You?

Many homeowners use equity release to improve their quality of life in retirement. Some of the most popular reasons for unlocking equity include:

• Home or garden improvements
• Clearing credit cards and loans
• Taking more holidays
• Helping family with financial gifts
• Paying off a mortgage

With the cost of living rising and pensions not always stretching as far as they used to, equity release can boost your retirement income and help you enjoy life after years of hard work.

However, equity release is not right for everyone, and it's important to consider all options before making a decision.

Alternatives to Equity Release

Before proceeding with equity release, we will discuss all alternative options, which may include:

• Downsizing to a smaller property
• Financial assistance from family
• Using savings or other assets
• Exploring other forms of borrowing

If equity release is not right for you, we will tell you upfront and help you explore other solutions.

The Equity Release Process – What to Expect

Our process is designed to help you make an informed decision, with no pressure to proceed.

Step 1: Initial Consultation

• We take the time to understand your priorities, financial situation, and long-term plans.
• We discuss alternative options and whether equity release is the right fit for you.
• This is a free, no-obligation meeting to help you gather information before making any decisions.

Step 2: Detailed Recommendation

• If equity release is suitable, we provide a full report tailored to your circumstances.
• This includes details on:
  • How much you can release
  • The costs and interest rates involved
  • How equity release could affect benefits or tax
  • Any potential early repayment charges
• We also offer a state benefits report so you can see how your entitlements may be impacted.

You are never under any obligation to proceed—our priority is ensuring you have all the facts to make the best decision.

Your Protection & Peace of Mind

Choosing equity release is a significant financial decision, which is why we ensure every plan meets the highest regulatory standards.

• You have the right to stay in your home for life
• You can move home in the future without penalty (subject to criteria)
• A No Negative Equity Guarantee ensures you will never owe more than the value of your home

All equity release plans we recommend are regulated by the Financial Conduct Authority (FCA), providing you with protection and security.

You can find out unbiased information on how equity release works here.

Involving Your Family

Equity release affects the value of your estate and could reduce the inheritance you leave behind. We encourage you to involve your family in discussions so they can ask questions and understand the decision.

If you wish, family members can join your appointment, whether at your home or one of our offices.

Book a Free, No-Obligation Consultation

If you're considering equity release, talk to our experts today.

• Visit us in Swindon.
• Prefer to meet at home? Our advisers can visit you nationwide.
• Call us, book a call back or use our contact form to schedule your consultation and explore your options.

At Mather & Murray Financial, we put your needs first—if equity release isn’t right for you, we’ll tell you.