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We are authorised and regulated by the Financial Conduct Authority (FCA) and members of the Equity Release Council.
Bower has always supported the aims of The Council and the associated SHIP safeguards which our membership offers, such as its commitment to impartial advice.
After my husband’s career came to an end due to health problems we managed on my income for more than ten years. But then I found myself pushed out of my own job of 31 years.
It left us with very little money to pay for the mortgage, bills and groceries. We did our best to get by, but we were in a desperate situation.
Our house is a two-bedroom property, so downsizing wasn’t an option. We considered moving to a cheaper area – but I have lived in this area of Essex for 74 years and it broke my heart even thinking about moving.
We knew we needed a way out, and so when we saw an advert for equity release, we decided to find out more. Bower Retirement is based quite close to us, so we enquired there.
Our adviser made us feel so at ease straight away. He answered all our questions, talked us through the alternatives to make sure we had considered all of our options, and explained everything so clearly.
After our run of bad luck, bad news and health scares, it was the light at the end of the tunnel for us. More than anything we just felt relieved. We didn't have to sell our home, we didn't have to move away. It was a huge weight off our shoulders in an instant.
Equity release has changed our lives in every way. We have a bigger disposable income each month, our home is secure and ours for life, even our day-to-day lives have improved in terms of us being able to afford to buy healthier food.Life is much better now, and we can sleep at night!I would recommend Bower to absolutely anyone considering equity release. It isn't a decision to be rushed into, and our adviser gave us all the time we needed to understand everything.What stood out most was that we were never put under any pressure, it was all so easy going. It felt as if every part of the service had been tailored just for us. We're go grateful for their help, I don’t know how we would have coped otherwise.
My mum is getting on now and I was worried about her having a fall when she’s going up and down the staircase to get to her bedroom and the bathroom
We considered downsizing to a bungalow, but it would have been too expensive and we’d have had less room. I wondered if a garage conversion would be possible, so we spoke to a builder and came up with a plan to add a downstairs bedroom and shower room so we wouldn’t have to move.
I was so impressed with Bower from the very beginning. My adviser, Gordon, came to my home to meet with me and mum, and he was so friendly. He took the time to explain everything to us and made it all very simple for us to understand.One thing that stood out for me was that it didn’t feel like talking to a salesman, which is what I think I had been expecting. It was clear that he wanted us to make the right decision for us, so he spent time explaining the alternatives.
Before deciding to go ahead, my son had a few questions of his own. I wanted him to be happy with my decision and to feel involved, so Gordon talked to him on the phone and went through everything with him, answering all his questions.
It took a surprisingly short amount of time to go through, and within a few weeks we were able to book the work in. It was such a smooth and straightforward process!”
Moving house and downsizing to a bungalow would have been so stressful, both for me and for my elderly mum. Now we have peace of mind that we can stay in our home and have it adapted to suit mum's needs. It really is the best of both worlds.I would recommend Bower to anyone considering equity release. You must think carefully about it and get the right advice from the right company. For us that was Bower, absolutely.
The procedure was made easy to understand and the legal safeguards fully explained. We have no regrets whatsoever and our family is equally satisfied.
Very helpful in explaining all our options and the costs involved and kept us fully up to date with the progress of our application.
This money helped Mr & Mrs Pascall reward themselves with multiple holidays whilst having the security of an emergency fund with a drawdown facility of £2,000 per withdrawal as and when they should need it.