FCA Regulated · UK Independent Advisers
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.
Clear, personal advice on releasing money from your home
For many homeowners, their property is their largest asset. But while your home may have increased in value over the years, that wealth is not always easy to access when you need it.
Equity release can allow eligible homeowners to access some of the value tied up in their property, usually through a lifetime mortgage. It may help with retirement income, home improvements, repaying an existing mortgage, supporting family, or creating a financial safety net in later life.
Is Equity Release Right for You?
You may be suitable if you:
- Are aged 55+
- Own your home
- Have sufficient equity
- Want to remain in your property
- Need additional retirement income
What is equity release?
Equity release is a way of accessing money from your home without having to move. The most common type is a lifetime mortgage, where a loan is secured against your property and is usually repaid when you die or move permanently into long-term care.
Depending on the plan, you may be able to take the money as a lump sum, in smaller amounts over time, or a combination of both. Some plans also allow you to make voluntary repayments, which can help control the amount of interest that builds up.
Equity release can offer flexibility, but it is a major financial decision. It will usually reduce the value of your estate and may affect your entitlement to means-tested benefits. That is why personalised advice is essential.
At Mather & Murray Financial, we provide clear, regulated equity release advice to clients in Swindon, Cirencester, Wiltshire, Gloucestershire and across the UK. We help you understand how equity release works, what the risks are, what alternatives you should consider, and whether it is genuinely suitable for your circumstances.
Why do people consider equity release?
People consider equity release for many different reasons. Some want to improve their retirement lifestyle. Others want to help children or grandchildren, repay borrowing, adapt their home, or create a reserve for future needs.
Common reasons include:
- Repaying an interest-only mortgage
- Funding home improvements or adaptations
- Helping children or grandchildren with a house deposit
- Supplementing retirement income
- Paying for care or later life support
- Clearing debts or reducing monthly commitments
- Improving quality of life in retirement
- Creating a financial buffer for unexpected costs
However, just because equity release can be used for these purposes does not mean it is always the best solution. In some cases, downsizing, using savings, restructuring borrowing, reviewing pensions and investments, or considering other later life mortgage options may be more appropriate.
Our role is to help you make that decision properly.
Local advice in Swindon and Cirencester, with nationwide support
Mather & Murray Financial has strong local roots in Swindon, Cirencester, Cricklade and the surrounding Wiltshire and Gloucestershire area. Many of our clients come from nearby towns and villages, including Royal Wootton Bassett, Marlborough, Malmesbury, Fairford, Lechlade, South Cerney and across the Cotswolds.
However, our advice is not limited to these areas.
We also work with clients across the UK, including homeowners in Birmingham, Bristol, Oxford, London, the Midlands, the South West and beyond. Whether you prefer to meet in person, speak by phone, or arrange a video appointment, we can guide you through the equity release advice process clearly and carefully.
Where appropriate, we also encourage family members to be involved in the conversation. Equity release can affect inheritance, future planning and the wider family, so it is often helpful for everyone to understand the options and implications.
We recommend products from lenders that meet the standards of the Equity Release Council wherever appropriate.
Why Mather & Murray
The Equity Release Process – What to Expect
Our process is designed to help you make an informed decision, with no pressure to proceed.
1
Free 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.
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.
3
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.
4
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 your free consultation today to get started.
Equity Release - Frequently asked questions
At Mather & Murray Financial, we provide clear, regulated equity release advice to clients in Swindon, Cirencester, Wiltshire, Gloucestershire and across the UK. We help you understand how equity release works, what the risks are, what alternatives you should consider, and whether it is genuinely suitable for your circumstances.
Equity release will reduce the value of your estate and may affect your entitlement to means-tested benefits. A lifetime mortgage is secured against your home. To understand the features and risks, ask for a personalised illustration.
Get in touch
Start your free consultation
There's no obligation and no cost to your initial consultation. Simply fill in the form and one of our advisers will be in touch, usually within one working day.
