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We provide high-quality advice and feel it is of utmost importance for our clients to understand all the options, the benefits and the drawbacks.
We are Accredited Members of The Equity Release Council, but we do not limit our advice to Equity Release, as there are occasions when other potentially cheaper options are available, via Traditional Mortgages.
We take a holistic approach and are truly independent.
Our web site includes reviews from previous clients, recent news articles and general information about the different types of Equity Release arrangements which we hope you find of use
The amount that can be borrowed via Equity Release will be affected by the house value, your age and your health.
There is a no negative equity guarantee ensuring that no matter what happens your estate will never owe more than your home is worth.
You can protect a chosen percentage of the equity should you wish.
You can downsize/move in the future usually without penalty.
Independent Legal Advice is required and we are happy to refer you to one of our chosen professionals if you wish.
Fee’s, such as legal costs, valuation fee and lender fee’s do not have to be paid upfront and can be deducted from the Equity Release advance.
"A very professional and personal service. Mike was reassuring and knowledgeable when it came to advice on our finances and found the best solution that suited us. We'll certainly be recommending him to our friends!!"
"I went to Mike Daniels on a recommendation of a close friend. My situation is very complicated and distressing. Mike was amazing with not only his kind and caring nature but in his experience and willingness to try and resolve the issues at hand. He is full of ideas and solutions, very professional, knowledgeable and trustworthy. I will definitely continue to seek his advice and recommend his services with confidence."
"Would highly recommend Michael to anyone! He is very efficient & keeps you up to date with what is going on. Smooth process from start to finish. Thank you!"
"I went in to Money Ways to enquire about my pension options on the off chance. Mike greeted me with an air of confidence and welcoming and began to clearly explain pension types, risk levels and the choice of the whole market! It was the first time that I could say I understood the pension system, most surprising was the consultation was for free and yet I did not feel pressured to commit or hurried to move on. Very relaxed friendly approach to finance, I will never ask at my bank branch for financial advice again!!"
"Fantastic service. I've returned to Mike for all my financial professional services requirements. He's extremely prompt, really jovial and offers an excellent advisory service as well. You can call him anytime for advice and if you take up his services you'll get a fantastic service from him."
"We went to Mike for advice on Equity Release and knew from his wealth of knowledge and experience that we were in safe hands. He delivered a great service and sorted us out with everything we needed. The whole process was made much more comfortable and reassuring with Mike involved."
"Would like to thank Michael for all his help with our equity release, he has been very efficient, professional and knowledgeable. He is reliable and kept in touch every step of the way."
"Gave me some quick invaluable advice over the phone. Much appreciated. He is on my list of go to advisors."
"Michael offers a very professional service and provided a very detailed analysis for my requirements,. I cannot recommend Money Ways highly enough
"Highly recommended Following a recommendation I went to Mike for advice on a re-mortgage (which wasn’t a straight forward case). However I found Mike to be very professional and knowledgeable; within a week we had made an application and had it accepted. I then returned to Mike for Pension advice, again he knew his stuff and got me a great deal and dealt with all the paperwork. During both processes Mike kept me updated. I will use Mike again without hesitation if I need any further financial advice. Thank you."
For many people releasing money from their property may be a popular choice. However it is a big decision as it will affect the value of your estate.
As your adviser I want to help you make the right decision and see whether equity release is the right choice for you.
I will answer any questions you have and will also cover the following Alternative ways to access the money you need
If you have an outstanding mortgage, this will need to be repaid with the proceeds of the equity release.
If you have any savings or investments, you may be advised to use this before taking Equity Release
A review to ensure that you are claiming all the state benefits you are entitled to.
A lifetime mortgage enables you to release a tax-free cash lump sum from the value of your home.You will continue to own your home completely and retain the right to live in it for the rest of your life. You can choose to repay the interest each month or make no monthly payments and roll up the interest into the loan amount. The amount borrowed plus accrued interest is usually repaid from the proceeds of the sale of your property when you die or move permanently into long-term care. It is important to note that the loan is secured against your home and a lifetime mortgage will reduce the value of your estate.
An enhanced lifetime mortgage could allow more cash to be released from your property than a standard lifetime mortgage. This is dependent on lifestyle and medical factors that are taken into consideration. These factors include health and lifestyle issues such as weight, blood pressure, medical conditions and whether or not you smoke.
It is important to note that, like standard lifetime mortgages, the loan is secured against your home and an enhanced lifetime mortgage will reduce the value of your estate.
A home reversion plan involves selling part or all of your home to a home reversion provider. You receive the sale proceeds as cash, which can be paid as regular instalments or as a single lump sum. On most home reversion plans you retain the right to stay in your property rent-free for the rest of your life.
You will receive less than the full market value of your home, because the buyer cannot re-sell the property until you die or move permanently into long-term care