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If you are aged 55 and over, own a home of your own, whether you have a mortgage or not, and that home is worth at least £70,000, you could be eligible to take out an equity release plan.
In taking out an equity release plan, a homeowner will have the option of releasing a portion of your home’s value, as a tax-free lump sum, or in a series of smaller payments that can be taken out over a specified duration.
Harrogatemoneyman specialises in providing customers with a complete service with expert mortgage advice in Harrogate from qualified and professional later life mortgage advisors in Harrogate.
This top-level service is backed up by having an efficient team of case managers, who are there to make sure that your equity release plan is put in place as quickly and efficiently as possible, keeping you informed every step of the way.
You will find that there are two main types of equity release in Harrogate – the lifetime mortgage, which will be available to homeowners aged 55+, and the home reversion plan. (which will involve selling all or part of your home).
Your trusted and dedicated later life mortgage advisor in Harrogate will review your case in-depth, looking at your present and past circumstances, as well as your plans and goals for the future. This allows them to decipher whether or not equity release in Harrogate is right for you, or if perhaps an alternative would be more appropriate.
No matter if you are looking to raise the funds to help out your children or grandchildren, repay any existing mortgages you have, as well as any other debts, carry out necessary home alterations, or to boost your retirement income as a means to cope with the increased costs of living, our fast & friendly later life mortgage advisors are here to help.
A lifetime mortgage in Harrogate will allow you to release money from the value of your home, free from tax, whilst letting you maintain 100% ownership of the home and the ability to stay there for as long as you live.
Typically speaking, a lifetime mortgage in Harrogate will be repaid from the sale of your home after you have died or have moved permanently into care (with two borrowers this will only apply to the last survivor).
In more recent times, a lifetime mortgage in Harrogate will generally be much more flexible than they used to be, including options for homeowners to make voluntary payments, monthly interest payments and even port the mortgage to another property.
To understand the features and risks, ask for a personalised illustration. Equity Release may come in the form of a lifetime mortgage or home reversion plan.
A lifetime mortgage may impact the value of your estate and it could affect your entitlement to current and future means tested benefits. The loan plus accrued interest will repayable upon death or moving into long term care.
A home reversion plan involves selling all or part of your home to a plan provider in exchange for a tax-free lump sum.
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The fee is up to 1% but a typical fee is £495.
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Joseph Harros
As first-time buyers, we had very little knowledge of the mortgage process and found it quite daunting, especially with rising interest rates and uncertainty in the property market. We’re extremely grateful to Dinah and Jo for their support and would highly recommend UK Moneyman to any first-time buyer looking for a professional, knowledgeable and supportive mortgage broker.
29 Oct 2026
Jade Wilmot
As first-time buyers, we had very little knowledge of the mortgage process. We changed properties along the way, and our circumstances made the mortgage process more complex than we initially expected. Dinah and Jo were absolutely brilliant throughout. We would definitely recommend UK Moneyman to anyone looking to set up a mortgage.
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Diane A
First class service. Jason and Lizzie helped me immensely getting a good mortgage quickly when I found myself separated. They pulled out all the stops and even spoke to me after hours. Excellent and would highly recommend. I can’t thank them enough. I now have my dream home
28 Oct 2026
Chloe Gathergood
Paula and Jason have been so helpful in getting our first mortgage sorted. They were quick to answer any questions and very helpful with their advice. Thank you very much
23 Oct 2026
Rebecca Joy
Leo and Lizzi were exceptionally helpful. Leo gave us great advise, not just on products available, but on things like bidding on properties, whether we were likely to be approved for more complicated properties etc. Lizzi was very communicative and thorough in processing our application, and after our first sale fell through we didn't hesitate to use UK Moneyman again. Thanks so much to Leo and Lizzi!
15 Oct 2026
Callum Kennedy
Very helpful and informative. Made the process as easy as possible. Would recommend to other
14 Oct 2026
Barry Hall
I had a financial issue that I thought was pretty unique to myself. The help and solution to my financial question has been exceptional in every step of the way. A big thank you to Warren and Joe for all of your patience and technical expertise.
14 Oct 2026
Megan Whitlock
The team working with my profile were amazing, I was in constant communication with them, if I emailed and rang someone responded quickly and they were able to secure my mortgage within 6 weeks from my initial meeting which saved me a lot of messing around and stress. Great service thank you
14 Oct 2026
Linda Chadwick
Amazing company very helpful and patient fantastic staff at the Hull branch nothings to much trouble sorted me a morgage out quickly and efficient i would recommend them 100%
14 Oct 2026
Natalie Rose
We’ve had Elaine Tiernan as our mortgage advisor and she has helped us out so much in the process of being approved with our first mortgage. From working around our working hours to arrange phone calls and online teams meetings to being prompt to respond to our enquiries. Elaine has been nothing but helpful, professional and supportive in our journey this far and we are very grateful to have had her as our mortgage advisor. Thank you to Paula aswell for always checking up on us and ensuring the process was as smooth as possible. Natalie and Liam
13 Oct 2026
When you schedule a free initial mortgage appointment with our laterlife mortgage advisor in Harrogate, we will engage in a thorough conversation regarding your objectives and strategies concerning inheritance.
While equity release and lifetime mortgages remain viable options, we consider them as last-resort solutions. Our belief is that there might exist a more suitable alternative tailored to your specific circumstances.
Knowing the significance of later life mortgages, we strongly encourage you to involve your family members or other trusted individuals in our discussions.
In the event that equity release is determined to be either suitable or unsuitable for your needs, our knowledgeable later life mortgage advisors in Harrogate will direct you to the appropriate services that can further assist you in devising your plans.
Your family is always welcomed and encouraged to be included in your later life mortgage advice process, and we will always be part of the advice process and we will always adapt to our customer’s various needs and circumstances if we can do so.
Once you have taken part in your free equity release and lifetime mortgage advice appointment, your later life mortgage advisor will go and take a look for the perfect lifetime mortgage deal in Harrogate that matches up with your personal and financial position, both now and how this may change as time goes on.
As an experienced and dedicated mortgage broker in Harrogate, we have had the pleasure of helping countless customers in achieving their mortgage dreams for the last 20 years and still counting.
We always bring the same hard work and dedication to providing absolute top-level, whole of market later-life mortgage advice in Harrogate to all of our valued older customers.
As a team, we will always do everything within our power to rise above and overcome all mortgage hurdles that we are faced with, no matter how complex of a circumstance it may be; we always love to take on a good challenge! Our administrators and advisors will always work hard for you, no matter what, making sure your best interests are always at the heart of what we do.
We will be there by your side, throughout the entire lifetime mortgage process. Always accompanied by our dedicated guidance and support, we will work through your equity release journey together, looking to reduce as much stress from it for you as possible.
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Harrogatemoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Harrogatemoneyman 2009–2026
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Harrogatemoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Harrogatemoneyman 2009–2026
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