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How to release equity in your home can be a complex business. But from the moment you contact Bower Retirement, we will patiently and expertly guide you through what we do and how we do it.
In fact, you will always receive dedicated support and advice from your expert adviser at every stage. You’ll never feel alone and you will never, ever be under any pressure to proceed.
So here’s what happens after your call (and assuming you want to proceed):
After our initial phone conversation we’ll arrange a visit from one of our experts who’ll come to your home. You can invite friends or family along too, and you can all ask as many questions about the equity release process as you want to.
Your adviser will take the time to get to know you, and talk through all the advantages and disadvantages of each type of plan available. They will explain all the things you need to consider (such as how a plan will reduce the amount of inheritance you leave).
We will also conduct a full review of your entitlements to ensure you’re claiming all the state benefits due to you. In some cases, a plan can be structured to minimise any impact on means testing – or there may even be no impact at all.
At Bower, we never put you under any pressure to go any further than this chat. In fact, we don’t even expect you to make any decisions at this point.
It’s simply an opportunity for us to meet, talk about the equity release process and get to know each other.
If you’re happy with everything we’ve discussed, your adviser will return in a few days with a full recommendation of the best option for you (this may or may not include an equity release plan).
If equity release is recommended then we’ll show which plans you qualify for, which one we suggest for you, exactly how much you could release and all the costs involved. That way you’re clear on everything.
We will also give you the results of your state benefits entitlement check and notify you if the ones you qualify for could be affected by an equity release plan.
If everything is good with you, your adviser will take you through the papers you need to sign to get things started.
It’s really as simple as that.
Your dedicated adviser will take care of everything from start to finish. They will work hard on your behalf to ensure the whole process runs as smoothly as possible, liaising with your chosen solicitor and your lender when necessary to keep things moving along.
They will always be there to answer any of your questions. And as part of our service and transparent way of working, we will keep you updated with everything so you know how your case is progressing, and how close you are to receiving your money.
Then after your plan completes, we provide a full after care service, enabling you to review and discuss anything you wish about your existing plan at no cost.