0208 508 0156 Kerry@dmbsmith.co.uk

Equity Release & Lifetime Mortgages Essex

Lifetime Mortgages Essex – David Smith Financial Services are always on hand to answer all your equity release and lifetime mortgage questions.

 

Contact Us

Services We Offer

We offer equity release advice and arrange lifetime mortgages for our clients. We accompany our clients throughout the 4 stages of the process:

1

Advice

As Independent Financial Advisers we are not tied to any one company and we will look at the whole market to find the most suitable products for our clients. We will make you aware of the advantages and disadvantages and establish whether equity release is right for you. During this part of the process we will look at how equity release could affect things like your tax position, your entitlement to state benefits and the amount you leave behind in your estate.

2

Recommendation

We will then look at the market to find a company that is offering the best product for you. We will look at the features of each of the products such as the amount you can borrow, the interest rates and the matching criteria that best meet your objectives.

3

Application

Once we have found the most suitable product we will then make the application on your behalf. We will then continue to contact the provider until they have made a decision to either make an offer or decline the application.

4

Completion

Our service to you does not end on completion as we can continue to review the policy for you. This might include looking at making a further payment or moving the lifetime mortgage from one property to another.

We deal with a large number of clients within the local area including:

  • Theydon Bois

  • Loughton

  • Chigwell

  • South Woodford

  • Debden

  • Epping

  • Buckhurst Hill

  • Chelmsford

  • Abridge

  • Woodford

  • Ongar

  • Brentwood

  • Harlow

  • Waltham Abbey

  • Romford

  • Ilford

Essex Equity Release

As well as Equity Release advice we also offer:

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Pre-Retirement Pension Planning

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Life Cover

Protecting your family, business, shareholder protection etc.

Post-Retirement Pension planning

Making the most of your pension and discussing the range of options available to you – annuities, drawdown etc.

Critical Illness Cover and Income Replacement cover

Protecting against ill health…

Investment advice

If you’re investing a lump sum or on a regular basis we have access to the full range of tax wrappers including ISAS, Unit Trusts/OEICS, Investment Bonds, Structured Products, Offshore Investments etc.

Inheritance Tax Planning and Trust Planning