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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 Ā£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 Ā£495.
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201 5 Star Reviews
s money
Big shoutout to George for his exceptional advise on going forward with my self employed mortgage. I would definitely recommend.šš»
17 Aug 2026
Jodie Wright
We honestly couldnāt recommend our mortgage advisor Conor enough. Ukmoneyman have helped us every step of the way when buying our first home and have recently helped us with our remortgage too. Both times they made everything so easy to understand, kept us updated throughout, and were always there to answer any questions. We really appreciate all the help and support weāve received and wouldnāt hesitate to use them again. Thank you so much!
6 Aug 2026
John Henderson
From the start of our equity release process the service from uk moneyman has been of the highest quality. Speaking to their members of staff on the phone or video calls were superb made to feel at ease and with content of the process made so easy to understand. Thanks again everything now completed without a hitch.
30 Jul 2026
Emma
As first-time buyers, we couldn't have asked for a better mortgage broker than UK Moneyman. Stacey, Matt, Tom and the whole team were incredibly helpful throughout the process. They gave us lots of different options and explained everything clearly, which really helped us understand and navigate what can feel like a very daunting process. They were always available to answer our questions, responded quickly, and kept us updated every step of the way. Thanks to their support, we've now received our mortgage offer and are looking forward to owning our first home. We would highly recommend UK Moneyman to anyone, especially first-time buyers!
26 Jul 2026
Becci
My mortgage application wasnāt a simple one but Ami was amazing. Always at the end of the phone keeping me updated on any little progress and got me the offer I needed!! With the help from Lizzi I am now just waiting for completion date!! Couldnāt have done this without them!
22 Jul 2026
Alex Campbell
Amazing help from these guys, we are first time buyers and Warren was our dedicated Morgate advisor and he made the whole process seem easy and straightforward, he went above and beyond to help me and my partner and explained it all in great detail, best of all he was very down to earth and gave it to us strait. Would 100% recommend
15 Jul 2026
Steve Taylor
Excellent Customer Service from initially Dan who arranged our Lifetime Mortgage. The members of the Admin Team were always friendly and helpful. Special mention to Kerry Bewell for her willingness, post-completion, to help when needed. I would definitely recommend UK Moneyman to others.
6 Jul 2026
Dan
Couldn't recommend more! Conor's service was excellent from start to finish and make the process as easy and smooth as possible especially since we didn't even know where to start.
6 Jul 2026
Eva Elliott
We used money man to help us find a mortgage for our first house nearly 7 years ago. They were brilliant at helping us navigate as self employed people. We are just about to use them for our next house!
1 Jul 2026
Rob Shireby
Chris, Ami and Malcolm are all great people, very good experience.
24 Jun 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.
Our Home Buying App is a digital mortgage coach designed to help you save up, plan, and track your home buying journey ā whether youāre buying your first home, or fancy a move.
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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.
Ā© Harrogatemoneyman 2009ā2026
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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.
Ā© Harrogatemoneyman 2009ā2026
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