As in many aspects of life, terminology can be seen differently or on the wrong light – Equity Release is no different! 
Equity Release is a frequently used term by commercial property owners to release capital from a property to re-invest into another business venture, normally another property purchase. 
More recently the term has started to be used to allow the over 55s to access “cash” from their residential property to supplement their lifestyle or repay a debt. 
While there may be similarities between the two, the purpose of Equity Release is very different. While one aspect is to allow a business to develop and grow, the other is about enjoying a lifestyle or repaying a debt. 
Not all mortgage advisors can provide advice on Equity Release, but here at H D Consultants we are able to address both aspects of Equity Release as our advisors are fully qualified and authorised. 
To avoid the confusion caused by the term Equity Release, it would make far better sense to rename the “lifestyle” version of Equity Release as “Later Life Lending” – the description gives a clear meaning on what it is and who its target audience is. 
Over the coming weeks, we’ll be covering how Later Life Lending works along with the benefits and pitfalls you’ll need to be aware of. 
If this is of interest to you and you’d like a no obligation informal conversation with a qualified advisor, please get in touch with me on 07788 219647 or email 
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H D Consultants. Contact details here Live Chat webpage here Broker Log In / BrokerCentre here 
Head Office address; 109 Maldon Road, Colchester, Essex CO3 3AX (Administration Centre only) 
Your home may be repossessed if you do not keep up repayments on your mortgage. 
We normally charge a Professional Client Fee for mortgage advice. The amount will depend on your circumstances. A typical fee would be £500. The actual Professional Fee may be more or less than this, and is subject to a full Fact Find discussion and research process. H D Consultants is a trading name of Howard Reuben who are an Appointed Representative of PRIMIS Mortgage Network, a trading name of Personal Touch Financial Services Ltd. Personal Touch Financial Services Ltd is authorised and regulated by the Financial Conduct Authority.. Registered Office: Preston House, 163 High Street, Crowthorne, Berkshire, RG45 7AF. Registered in England & Wales. Company Registration Number 4952586. This site is for UK Consumers only. Website Terms and Conditions click here for our Privacy Policy. GDPR Privacy Policy - click here (PDF download / view) This site contains third party links. By clicking these links you will depart from the H D Consultants' regulated site. H D Consultants nor PRIMIS Mortgage Network is responsible for the accuracy of the information contained within the linked site. The Financial Conduct Authority does not regulate some of the services listed. H D Consultants, mortgage and life insurance advisers, is authorised by the FCA no 403701. Our in house Wills and Trusts Practice is a long standing Member of the Society of Will Writers and Estate Planning Practitioners.  
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