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Equity Release

Equity Release with Cornwall Finance and Investment Services

This is an important area of later life financial planning, 68% of homeowners see property as an important factor in their financial comfort in later life; 51% of homeowners factor property into their financial plans.

Do you have an Interest Only Mortgage coming to an end and have no means of repayment? Do you want to retire, but your lack of pension savings mean that you have to keep working?

Do you love your home but need to make changes to keep living in it?

Has the bank of Mum and Dad received a withdrawal request?

Why should you take advice Independent Financial Advice?

Equity Release has come a long way in improving value for customers but there are severe pitfalls that can easily be avoided with proper Independent Financial Advice.

Cornwall Finance & Investment Services Ltd. Equity Release Service, helps you by researching the whole of the Equity Release market, to find the Equity Release package which best suits your needs. We are not tied to any lender, bank, or financial institution.

We guide you through the Pros and Cons of the methods of Equity Release. Our Equity Release advice service, helps you all throughout the process of Equity Release from the application, to completion. We are proud members of the Equity Release Council who promote Safe Equity Release advice.

Our Safe Equity Release Advice Standards

Nearly all our Equity Release business is Lifetime mortgages. For lifetime mortgages our Standards are:

  • Your interest rates must be fixed or, if they are variable, there must be a “cap” (upper limit) which is fixed for the life of the loan.
  • You must have the right to remain in your property for life or until you need to move into long-term care, provided the property remains your main residence and you abide by the terms and conditions of your contract.
  • You have the right to move to another property subject to the new property being acceptable to your product provider as continuing security for your equity release loan.
  • The product must have a “no negative equity guarantee”. This means that when your property is sold, and agents’ and solicitors’ fees have been paid, even if the amount left is not enough to repay the outstanding loan to your provider, neither you nor your estate will be liable to pay any more.
Contact Us
About Us
We are a small team of financial advisers based in Newquay in Cornwall. We offer financial advice, wealth management, pension advice and retirement planning services to clients throughout Cornwall and across the UK.
Scope of Service
The guidance and or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted to customers in the UK.
Contact Details

Cornwall Finance & Investment Services, Harlyn House, Bonython Road, Newquay, Cornwall, TR7 3AW

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Regulatory Information
Cornwall Finance & Investment Services Ltd is Authorised and Regulated by the Financial Conduct Authority. Financial Services Register Number 596144. Telephone: 01637 839098 Email: enquiries@cfislive.co.uk
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© Copyright 2016 by Cornwall Finance & Investment Services Ltd.
Registered Company in England & Wales. Company Number 08241447. Registered Office: Harlyn House, Bonython Road, Newquay, Cornwall, TR7 3AW