Unlock the Value in Your Home with Equity Release & Lifetime Mortgages.

At Sovereign Financial Management, we offer tailored Equity Release and Later Life Mortgage solutions to help you unlock the value tied up in your property. Our expert advisors guide you through the process, ensuring you understand your options and find the right solution for your financial needs. Whether you are looking to supplement your retirement income, fund home improvements, or support your loved ones, we are here to help you make informed decisions and secure your financial future.

A Lifetime Mortgage will reduce the value of your estate and may affect your entitlement to means-tested benefits and tax status. The impact of not servicing monthly interest payments on a Lifetime Mortgage is that the outstanding debt can grow rapidly, thus reducing the value of your estate. For example, if the interest rate was 7% a year, a £50,000 loan would double to £100,000 after 10 years assuming no repayments are made. This is an example for illustrative purposes only and personalised advice and recommendations should be sought from a qualified professional. You are strongly advised to register a lasting power of attorney. This will allow your affairs to be managed by somebody else if your mental abilities significantly decline.