Equity Release Solicitors Cardiff

Releasing money from your property with Equity Release

Our experienced equity release solicitors in Cardiff provide clear, independent legal advice to help you understand your options and protect your long-term financial position. At certain stages of life, particularly later on, you may find that you need an additional source of income or financial flexibility. Equity release allows you to access some of the value tied up in your home while continuing to live in it. Contact us today if you are considering beginning the equity release process.

Common Reasons for Equity Release

Clients typically explore equity release for reasons such as:

  • Taking early retirement
  • Covering medical or care-related expenses
  • Paying for family events (such as a wedding)
  • Assisting children or grandchildren financially

Whatever your motivation, it’s important to understand the legal and financial implications before committing.

Why Independent Legal Advice Matters

Equity release is a major financial decision with long-term consequences. Before choosing any lifetime mortgage or home reversion plan, you should always consult an independent property solicitor who can explain the legal terms, risks, and safeguards in plain language.

Our equity release solicitors in Cardiff are experienced in this specialist area of law and will guide you through the process, ensuring you fully understand:

  • How the product works
  • Your rights and responsibilities
  • How it may affect inheritance, tax, or benefits
  • Any long-term limitations on your property

We are here to help you make a confident, well-informed decision.

Speak to Our Equity Release Solicitors

If you are considering equity release, contact Robertsons Solicitors for clear, trusted legal advice. We’ll guide you through each step so you can make an informed decision with confidence and peace of mind.

Disclaimer:
This page provides general information only and does not constitute financial or legal advice. For tailored guidance on equity release, please speak with one of our qualified solicitors or an independent financial adviser.

Equity Release FAQs

The Equity Release Council was set up just for this reason.  It protects people.  Any equity release company with the council’s logo must ensure that you never owe them more than the total sales price of your home.  We recommend asking one of the professional solicitors at Robertsons Solicitors to check all the documents before you take this step.

The answer will depend on your circumstances.  You can consider an equity release mortgage if you can’t downsize to a small home or if you don’t mind reducing your family’s inheritance.  There are, of course, alternatives available.  If you have doubts about equity release, it is all the more reason to speak to one of our property experts at Robertsons Solicitors.

It can be more expensive if you compare it to your typical mortgage.  If you take out an equity release mortgage, you will be charged a higher interest rate, and your debt can accumulate quickly. Please speak to us before you decide.

In most cases, yes. Equity release reduces the value of your estate. Your solicitor can explain how this works and whether a product with inheritance protection may be suitable.

With most lifetime mortgages, you remain the legal owner of your property. Home reversion schemes differ, and your solicitor will explain the distinction so you fully understand the implications.

Some products allow early repayment, sometimes with additional charges. Your solicitor will review the terms and ensure you understand any early repayment conditions.

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