Mewstone Unplugged Blog
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10 Steps to Releasing Equity From Your Home Using A Lifetime Mortgage
Releasing equity through a lifetime mortgage is a journey that requires thoughtful consideration and careful planning. By following these steps, you can approach the process with confidence, knowing that you’re making an informed decision that...
Equity Release vs. Downsizing: Weighing Up Your Options
When it comes to freeing up money later in life, many homeowners find themselves at a crossroads: should they use equity release or consider downsizing? Both options can provide the financial boost needed for retirement, but they come with distinct...
Your Christmas Guide to Buying Your First Home in January 2025
As the holiday season wraps up and we prepare to ring in the New Year, many first-time buyers are gearing up to make their homeownership dreams a reality. 🎄✨🏡 While the festive season is all about joy and celebration, it’s also a fantastic time to...
What Happens If Your Lifetime Mortgage Property Valuation Is Lower Than Expected?
Applying for a lifetime mortgage can be a transformative step in unlocking financial freedom during retirement. However, property valuations don’t always align with expectations, which can impact the borrowing amount available to you. While this...
Using Pension Income to Support a Mortgage in Later Life
As we move into retirement, financial priorities often shift, and so do the ways we access and manage our income. For people over 50, pension income—whether from a private pension, workplace pension, or state pension—can be a valuable stream to...
Navigating Care Costs: Later Life Lending Options for Over 50s
As we age, planning for potential care needs becomes a vital part of financial security. With care costs on the rise, more individuals over 50 are exploring ways to fund care without depleting their savings. Later life lending, including equity...
Lifetime Mortgages vs. Retirement Interest-Only Mortgages: Which is Right for You?
When it comes to funding retirement and maintaining financial flexibility, Lifetime Mortgages and Retirement Interest-Only (RIO) Mortgages are two popular options that provide unique benefits. Both can help older homeowners release equity from...
Understanding the Process of Getting a Further Advance on Your Lifetime Mortgage
If you already have a lifetime mortgage, you’re likely familiar with the benefits it brings, including the ability to unlock tax-free funds from your home without the need to move. But what if you need additional funds down the line? Whether it’s...
Why Cheap Mortgages Are Over—and How You Can Still Win
The recent insights from Lloyds Bank indicate that ultra-low mortgage rates are likely behind us, but with a positive and proactive approach, you can still find great solutions to suit your needs in this new rate environment.Adapting to a Changing...
Why Later Life Lending is a Key Component of Retirement Planning
With potential pension reforms on the horizon, such as possible changes to the 25% tax-free pension lump sum, many retirees are reassessing their financial security. This tax-free perk has been a cornerstone of retirement planning for millions,...
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Mewstone Mortgage Advice LTD (FCA ref 947355) is an appointed representative of New Leaf Distribution LTD (FCA ref 460421) which is authorised and regulated by the financial conduct authority (FCA).
New Leaf Head Office Garfield House, 165-167 High St, Rayleigh SS6 7QA. Co registration Number 5520001.
Mewstone Mortgage Advice LTD Head Office: 22 Barton Brake, Wembury, Plymouth, Devon PL9 0BJ Co registration Number 12959322
Your home is at risk if you fail to keep up payments on your mortgage or any other loans secured against it.
Buy to Let mortgages and Commercial Lending are not usually regulated by the Financial Conduct Authority.
Equity release may involve a lifetime mortgage which is secured against your property or a home reversion plan which requires the sale of property for a discounted price. To understand the features and risks, ask for a personalised illustration. You only continue to own your own home with a lifetime mortgage.
Equity release may impact the size of your estate and it could affect your entitlement to current and future means-tested benefits
