Equity Release Specialists
For your peace of mind, we do not charge any upfront fees for Independent Equity Release advice for releasing equity in your home.
At Clifford Osborne, we are an experienced team of Equity Release Specialists offering expert advice on how to release equity from your home, lifetime mortgages and much more.
Our team of Equity Release Specialists are based in Eastbourne. However, we help clients across Sussex, including Brighton, Eastbourne, Lewes, Crowborough, Seaford, Bexhill, Hastings & Rye areas (and further afield).
To arrange a free initial discussion with one of our friendly equity release specialists, at your home, workplace, at our offices, or online please contact us today by completing the form or calling 01323 403 444.
As a consumer, one of the most important things to look out for in selecting your Equity Release Specialist is the Equity Release Council logo. Clifford Osborne is approved by the Equity Release Council – a body established to promote safe equity release products and protect consumers.
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If you would prefer to talk to us, please call 01323 403 444
What is Equity Release?
Equity release allows individuals aged 55 and over to release money from the property they live in without having to make any monthly repayments. A homeowner can draw a lump sum or regular smaller sums from the value of their home whilst living there.
Our equity release specialists can explain about the two types of equity release;
If you’re facing one of the following scenarios, equity release allows you to tap into the wealth you’ve accumulated in your property without the upheaval of moving home.
- a pension shortfall
- need to meet an unexpected expense
- want to fund a retirement treat
An equity release product can play a crucial role in retirement funding.
The flexibility and safeguards, which are built into plans that comply with the Equity Release Council product standards, enable homeowners to safely realise their housing wealth, without having to worry about making monthly repayments.
Lifetime mortgages and home reversion plans are regulated by the Financial Conduct Authority.
Why use an Equity Release Specialist?
If you’re considering taking out a plan, consulting with an experienced equity release specialist is essential. You need to find out as much as you can about your options and weigh up the advantages and disadvantages.
Our Equity Release Specialists will help you to understand the steps involved and talk you through your options, as well as the impact this might have on state benefits, tax and your obligations.
Our dedicated equity release specialists can give you the detailed information you need to make an informed choice. Done correctly, it should have no impact on an individual’s tax position or their state benefits. However, each individual’s circumstances need to be assessed on a standalone basis.
As equity release specialists we can carry out an independent benefit assessment on your behalf, to better understand your entitlement to benefits and check you are claiming everything to which you are entitled.
There is a wide range of equity release products to choose from, with new and innovative products being created regularly to meet client demand and income needs. This means that whatever your equity release needs, our equity release specialists are likely to be able to find a suitable plan available.
Our equity release specialist offer clients a truly independent advice service and a genuine Equity Release specialism. Initial meetings are without cost or obligation with Paul Clifford Dip PFS.
Get in touch and find out how much you can release
For a free, no-obligation initial discussion to start exploring your options and the support our equity release specialists can give you when choosing the right scheme for you and your family, please get in touch.
Paul Clifford works across East and West Sussex, London and further afield, and is always happy to meet clients and explain all the options available face to face in person.
As well as being a member of the Equity Release Council, our equity release specialist is an associate member of the Society of Later Life Advisers (SOLLA) and we are regulated by the Financial Conduct Authority.
To understand the features and risks of an Equity Release Scheme please ask for a personalised illustration. A typical fee is £795.00.
“Home improvements were required and equity release would fund that so we needed an equity release specialist. Paul offered a personal service at home, clear explanation as to all that Equity Release would entail. Friendly, Professional and very helpful. We cannot fault the service and assistance we received.”
“Paul went above and beyond in helping me get the lifetime mortgage through. There were a series of hold-ups and my buyer was getting very anxious and I was very concerned that the chain might collapse. Paul chased his contact at the mortgage company who in turn chased their solicitor. He did this numerous times until we achieved exchange. It would not have gone through in the reasonably timely fashion that it did if it hadn’t been for his help. (The delays were mainly due to solicitors being incredibly busy at the moment because of such a large volume of property sales.)”
“Paul was a star. He found us a great deal. Paul was professional, kept us informed every step of the way from beginning to end.”
Your Advice Steps
01 ➔
Contact Us
Call us on 01323 403 444 or contact us to set up a free initial meeting with one of our financial advisers or mortgage and equity release advisers. We’re happy to meet in person, on the phone or online. Just let us know what you prefer.
02 ➔
Get to know you
This will be a chat to find out a bit more about you, what your financial position and goals are and how we can help. This will be entirely confidential, and you are under no obligation to use our services. We will then give you a plan of what we can do to help.
03 ➔
Sharing your plan
Our advisers will talk through our recommended plan with you giving options to best meet your needs. We will take into account your current financial situation, your goals, appetite to investment risk and timeframes. You will have a chance to ask us any questions and then decide whether you want to go ahead.
04 ➔
Regular reviews
Your financial position will change throughout your lifetime. We are here to help you with regular reviews to make sure your financial plan meets your financial goals and current financial situation. We’ll agree with you when and how we meet on a regular basis to make sure your management plan is right for you.
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We are not tied to any financial institution and therefore offer you truly independent advice
A free initial, no obligation, review meeting can take place at our offices in Eastbourne East Sussex, at your workplace or in the comfort of your home.
If you are considering taking advice from an independent financial advisor, we would love to talk to you. Call us or complete the enquiry form and we’ll contact you as soon as we can.
We are happy to serve clients with any level of wealth.
Call 01323 403 444 or use our secure form via the button below.