equity release calculator


We give you the option of a secure video meeting which offers the same, in depth consultation and planning and the chance to ask any questions you may have.

Please do let us know at the outset if this is your preference and we’ll be delighted to facilitate this for you.

Equity Release Specialists

For your peace of mind, we do not charge any upfront fees for Independent Equity Release advice.

We are Equity Release Specialists offering advice on how to release equity from your home, lifetime mortgages and much more. The Clifford Osborne Limited team are Equity Release Specialists, based in Eastbourne. We visit customers across the Brighton, Lewes, Seaford, Polegate, Bexhill, Newhaven, Rye, Hastings, Crowborough, Robertsbridge, Winchelsea and Tunbridge Wells areas (and further afield). To arrange a free initial discussion at your home, workplace or our offices contact us today. To arrange a free initial equity release discussion at your home, workplace or our offices contact us today.

As a consumer, one of the most important things to look out for in your Equity Release Specialist is the Equity Release Council logo. Clifford Osborne is approved by the Equity Release Council, an associate member of the Society of Later Life Advisers (SOLLA) and regulated by the Financial Conduct Authority.

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. There are two types of equity release; Lifetime Mortgages and Home Reversion plans.

If you’re facing a pension shortfall, need to meet an unexpected expense or want to fund a retirement treat, equity release allows you to tap into the wealth you’ve accumulated in your property without the upheaval of moving home.

Lifetime mortgages and home reversion plans are regulated by the Financial Conduct Authority. By using an equity release product, a homeowner can draw a lump sum or regular smaller sums from the value of their home whilst living there.

Equity release can play a crucial role in retirement funding and the flexibility and safeguards, which are built into plans that comply with the Equity Release Council product standards, enable homeowners safely realise their housing wealth without having to worry about making monthly repayments.

If you are thinking of taking out an equity release plan then you need to find out as much as you can about your options and weigh up the advantages and disadvantages.

Equity Release Specialists

As Equity Release Specialists, Clifford Osborne will help you to understand the steps involved and talk you through your options, the effects this might have on state benefits and tax and your obligations.

We will also explain the benefits and drawbacks of equity release so you can make an informed choice. Done correctly, equity release 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. We carry out an independent benefit assessment on your behalf at the start of the process to better understand your entitlement to benefits and check you are claiming everything to which you are entitled.

There are a wide range of 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, there is likely to be a plan available.

We 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. Please contact Paul with any questions you may have. We are Equity Release specialists visiting clients in Eastbourne, Seaford, Polegate, Brighton, Lewes, Bexhill, Newhaven, Rye, Hastings, Crowborough, Robertsbridge, Winchelsea and Tunbridge Wells.

Clifford Osborne is a member of the Equity Release Council, a body established to promote safe equity release products and protect consumers.

To understand the features and risks of an Equity Release Scheme please ask for a personalised illustration. A typical fee for Equity Release is £795.00.

Useful information to read before your Equity Release meeting

A step by step guide to Lifetime Mortgages
Taking advice on Equity Release

How much Equity could I access?

Use our simple form to find out how much equity you could access.

Equity Release Calculator

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    We are not tied to any financial institution and therefore offer you truly independent advice

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