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Equity Release Mortgages

Create enduring memories with an equity release mortgage.

Many long standing home owners now have considerable equity in their properties. This is providing the opportunity for older borrowers to consider using part of this equity to ease their financial positions as they approach the end of their working lives.

In addition, parents may wish to use this equity advance money to their children as a means of getting them onto the property ladder, or to counter the costs of high school fees for younger family members. The cheapest ever life time mortgage interest rates, and rising property prices, are tempting older homeowners who have equity in their property to release funds through purpose-designed Equity Release Mortgages.

Lump sump overpayments and portability

Many lifetime mortgage providers are issuing more flexible products. They enable older borrowers to make overpayments each year to reduce the amount of interest rolled up annually. They are also providing portable mortgages so borrowers can move to approved properties while getting downsize protection protecting them against negative equity.

The Equity Release Council regulates the specialist lenders which offer a range of benefits with these mortgages.

Sturgess Mortgage Solutions working in tandem with Vantage Lifetime have helped clients to release money to repay debts, gift money to family members and even provide funds for emergencies. In particular, there is a growing uptake by borrowers aged between 65 and 74.

We can approach lenders that give you:

  • A fixed rate for the life of the loan
  • The option to pay some or all of the loan interest each month
  • Ring-fence part of the property value to use as inheritance

Speak to Sturgess Mortgage Solutions recommended equity release specialists

Few brokers are qualified to arrange equity release mortgages as they are now part of a highly regulated area of the mortgage market, that’s why we have chosen to align ourselves with Vantage Lifetime to provide a bespoke, holistic recommendation to our clients.

We can also arrange lifetime mortgages where interest is not rolled up or taken from the equity on death. These are more like a traditional interest-only mortgage suitable for older borrowers.

Call Sturgess on 01792 399155 to secure an equity release mortgage

This is a lifetime mortgage. To understand the features and risks, ask for a personalised illustration.

CHECK THAT THIS MORTGAGE WILL MEET YOUR NEEDS IF YOU WANT TO MOVE OR SELL YOUR HOME OR YOU WANT YOUR FAMILY TO INHERIT IT. IF YOU ARE IN ANY DOUBT, SEEK INDEPENDENT ADVICE.

There will be a fee for mortgage advice from Vantage Lifetime Ltd. The precise amount will depend upon your circumstances but we estimate that it will be £995 on completion of the mortgage.

Get a mortgage quote


Get Expert Financial Advice

Sturgess Mortgages Solutions Ltd provide professional mortgage services to customers in Swansea, Wales. Please book an appointment or come and visit us at our office. Alternatively, you can book a callback.

Shaun Sturgess from Sturgess Mortgage Solutions

Customer Reviews

Our mission is, and always has been, to serve our customers interests by providing an honest and totally transparent service, making all communications easy to understand and adopting a fair and easily understood charging policy.
  • I can’t recommend Shaun highly enough! From start to finish, he has gone above and beyond in helping me through the mortgage process. Not only... Full Review

    Sammantha J
    23 July 2025
  • Sturgess mortgage solutions have literally took all the stress away from myself and my wife during the whole process, Shaun's communication back and... Full Review

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    23 July 2025
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    23 July 2025
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    23 July 2025
  • Absolutely brilliant. Can't fault Shaun or the team, very helpful and really good service. Had Shaun to sort our second mortgage and a brilliant... Full Review

    Megan R
    23 July 2025
  • Shaun helped me through the whole process of getting my mortage to getting the keys, he was absolutely brilliant couldn’t recommend enough!... Full Review

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    23 July 2025
  • Amazing experience! Would highly recommend... Full Review

    Sophie E
    23 July 2025
  • Very good company Shaun and Taylor are very helpful and professional, everything has gone smoothly and would definitely recommend Sturgess... Full Review

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    23 July 2025
  • Flawless service from start to finishBrilliant communication through email, what’s app and on the phone.Service is managed through a portal... Full Review

    Joseph M
    23 July 2025
  • Shaun and the team have been amazing throughout my mortgage application process. Nothing has been too much trouble and always on hand to answer any... Full Review

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    23 July 2025
  • Absolutely fantastic service. Couldn’t thank the team enough for their efforts. Thank you again... Full Review

    J Dudley
    23 July 2025
  • Used Shaun to get a mortgage on a new house.After using estate agents own advisors in the past, the difference is service was huge.Not only did... Full Review

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    23 July 2025
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