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.

Lifetime Mortgage Advice – Lifetime Remortgage

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

Our Independent Financial Advisors (IFA) in Eastbourne, East Sussex provide expert Lifetime Mortgage advice on schemes and rates. Initial meetings are without cost or obligation with a fully qualified Later Life Specialist Adviser.

We are happy to meet clients across East Sussex, including Eastbourne, Polegate, Brighton, Hastings, Uckfield, Crowborough, Rye, Winchelsea, Robertsbridge, Lewes, Bexhill, Tunbridge Wells and Hove areas. As a result of recommendations from current clients we are providing lifetime mortgage advice well beyond the East Sussex borders too. To arrange a free initial 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 a lifetime mortgage advisor 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.

A lifetime mortgage does not always require monthly repayments, although with some plans, rather than compound the interest, you can opt to make monthly repayments if you wish. You retain ownership of your home.

The loan and the interest is repaid by your estate when you die or move into long-term care. If you are part of a couple, the repayment is not made until the surviving partner living in the home either dies or moves into long-term care, meaning both you and your partner are free to live in your home for the rest of your lives.

If you take out a lifetime mortgage you can choose to receive your funds as a lump sum or in smaller, regular amount known as a ‘drawdown’ arrangement.

There is also an option available to increase the amount you have borrowed up to the maximum limit agreed with the plan provider. You can elect to protect some of the value of your property as an inheritance for your family, meaning you can benefit from releasing equity while still retaining something to pass on to beneficiaries.

Some people may be able to release larger lump sums due to impaired health or prefer to make monthly repayments in part, or in full, with an option to compound at a later date if the monthly repayments became unaffordable.

There are advantages and disadvantages in both types of plans so it is important for you to use an independent lifetime mortgage advisor to find out as much as you can. We recommend, if possible, that you discuss this with your family to ensure you all understand the process and choose the best plan to meet your stated needs.

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.

A Lifetime Mortgage and may reduce the value of your estate and may affect your entitlement to means tested State Benefits. To understand the features and risks please ask Clifford Osborne to provide a personalised illustration.

How much Equity could I access?

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

Equity Release Calculator
“Paul is extremely easy to talk to and was quick to understand our situation. He responds to every enquiry within 24hrs and as well as recommending a suitable and achievable mortgage for our needs, he has also followed and done everything he can to support the application from start to finish with great efficiency.”
Phil and Annabel, Billingshurst, West Sussex

Paul went above and beyond in helping me get the lifetime mortgage through. It would not have gone through in the reasonably timely fashion that it did if it hadn’t been for his help.

Client, Robertsbridge

Paul definitely understood why we needed to top up our lifetime mortgage and he explained everything relevant to our requirements. The most important thing he has done for us was to take control of all requirements needed to achieve a satisfactory outcome.

Client, Polegate

Paul has been an enormous help in his advice regarding equity release. He has been inspirational in suggesting the different options that are available to me, giving me flexibility of choice to suit my evolving needs.

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

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