Lifetime Mortgages & Equity Release in Maidstone

Looking to unlock some of the value tied up in your home? Lifetime mortgages and other equity release products allow homeowners aged 55+ to access tax-free cash without needing to sell or move out. Whether you’re looking to top up retirement income, help family, or fund home improvements, we’re here to help.

At Mortgage Broker Maidstone, we refer all equity release enquiries to fully qualified and FCA-regulated advisers who specialise in later life lending. We support clients across Maidstone, Bearsted, Aylesford, Kings Hill and surrounding areas.

What Is Equity Release?

Equity release allows you to access money from your home’s value without needing to sell it. The most common type is a lifetime mortgage, which lets you borrow against your property while retaining full ownership.

The loan and any interest are typically repaid when you pass away or move into long-term care. Some plans allow you to make voluntary repayments along the way, helping reduce the total owed.

Common Reasons People Use Equity Release

• 💷 Boosting retirement income or covering rising living costs
• 🏠 Funding home improvements or adaptations
• 🎓 Helping children or grandchildren with property deposits
• 💳 Paying off interest-only mortgages or consolidating debt
• 🚗 Making large purchases or planning for future care costs

Is Equity Release Right for You?

It depends on your goals, financial situation, and long-term plans. Equity release isn’t right for everyone, and it’s important to speak with an adviser who can explain the benefits and risks in plain English.

We connect you with experienced equity release specialists who are qualified to discuss:

• 📋 How much you could borrow
• 🏦 How interest is charged and repaid
• 📉 How equity release affects inheritance and future care planning
• 🔐 What protections are in place (e.g. no negative equity guarantee)

Why Use a Local Equity Release Adviser in Maidstone?

Local advisers understand property values, lender preferences, and the personal nature of equity release. They take the time to understand your circumstances and explain your options — clearly, patiently, and without pressure.

Next Steps

If you’re considering equity release in Maidstone or the surrounding area, we can help you take the next step with confidence. You can:

• 📖 Learn more from our Mortgage Blog
• 📞 Contact us and we’ll connect you with a regulated equity release adviser