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Equity release can help older home owners convert the value of their home into:

• a lump sum
• regular income
• or sometimes both.

Is equity release right for me?
Equity release schemes can use part of the capital 'tied up' in the value of your home. You retain the right to live in your home for the rest of your life.

Before deciding on the best course of action, we provide confidential unbiased advice. Remember you need to decide carefully as equity release may affect entitlement to certain state benefits and reduce the value of your estate.

Help make retirement easier
Common reasons to consider equity release.

• You may be living in a valuable property but surviving on a relatively low income. (Asset rich and Cash poor)
• You may need capital to fund essential repairs to your home.
• You may want some cash to help your children or grandchildren.

We recommend you always seek advice including legal assistance on whether equity release is suitable for your situation.

This is a lifetime mortgage. To understand the features and risks, ask for a personalised illustration.

Your home may be repossessed if you do not keep up repayments on your mortgage.

For mortgages we can be paid by commission or fee. If paying by fee this is typically 1% of the loan.

Westhill Financial Services is authorised and regulated by the Financial Services Authority and is entered on the FSA register (www.fsa.gov.uk/register/) under reference 145359.

The FSA do not regulate some forms of mortgages