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downsmail.co.uk


Business Focus EQUITY RELEASE - is the timing better than ever? (for all generations)


drawing more than is needed may be unnecessarily costly


How much do you need NOW? Releasing a smaller amount “up front” and creating a drawdown facility allows access to money for the future but interest is not paid until it is drawn


Equity Release is attracting more publicity than ever, however local adviser Sarah Ferrell is concerned that people are confused. “There are so many options available these days that clients are bombarded with information”.


There are huge benefits to Equity Release however there are also longer term considerations.


Key questions I would encourage clients to consider include:


How much do you REALLY need? As interest is charged from the outset,


Do you plan to move house? Many schemes are portable but the implications need to be discussed so we can find the scheme with the right amount of flexibility


Would you like to be able to pay interest on the mortgage?


It still surprises many people that most of today’s schemes allow payment of interest. This provides the capital needed without the longer-term costs people have potentially been worried about.


I am a great advocate of Equity Release having seen the financial pressure it can relieve. It has been used for home improve- ments and has kept people in their homes when they felt selling was the only option. I


EQUITY RELEASE RE-MORTGAGE


have also helped a number of parents release equity to enable their children buy homes or to help in other ways.


“After over 27 years in finance I take pride in the time and care I take when speaking with clients. It is absolutely essential to understand what a client needs and what their plans are for the future before I can even begin to advise”


Sarah is happy to visit your home and she is not just available 9-5 but will offer flexible times to suit her clients.


For more information or a free initial consultation please call Sarah on 01622 631372 or 07789 007447 or e-mail her at info@sarahferrell-equityrelease.co.uk


Call Sarah on


07789 007447 01622 631372


info@sarahferrell-equityrelease.co.uk www.sarahferrell-equityrelease.co.uk


Equity Release can reduce the value of your estate and can affect your eligibility for means tested benefits. MORTGAGES


BUY-TO-LET FIRST TIME BUYERS


Contact your friendly local Consultant to find out more about our At Home Virtual group service


MONDAY DITTON


Sally 07540 328700 TUESDAY


ALLINGTON Emma 07931 747183


LARKFIELD Hayley 07590 276546


SHEPWAY Sue 07724 185071


WEDNESDAY


BOUGHTON MONCHELSEA Genna 07926 914021


GROVE GREEN Julie 07770 937425


KINGS HILL Sally 07540 328700


LARKFIELD Leah 07944 358390


STAPLEHURST Debbie 07789 776887


TOVIL


Sue 07724 185071 THURSDAY


BOUGHTON MONCHELSEA Genna 07926 914021


LOOSE Caroline 07539 175355


LARKFIELD Leah 07944 358390


VINTERS PARK Julie 07770 937425


SATURDAY


BOUGHTON MONCHELSEA Genna 07926 914021


RINGLESTONE Arni 07584 119373


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