Equity
Release

Sentinel Financial refers you to our trusted third-party expert who support homeowners in accessing tax-free funds with clarity, confidence, and guidance.

An older couple sits together on a couch in a bright living room, smiling as they review First-Time Buyer Mortgages documents, with a coffee table and large window in the background.
An older couple sits together on a couch in a bright living room, smiling as they review First-Time Buyer Mortgages documents, with a coffee table and large window in the background.
A historic English townhouse with white-framed bay windows, pale stucco walls, and a steeply pitched tiled roof stands beside a red brick building—an inviting scene for those considering First-Time Buyer Mortgages on a sunny day.

Whatever your mortgage goals,  we’re just a call away.

Turning your home into financial freedom

Equity Release lets you access part of your property’s value as cash while still living in your home. It’s a popular choice for homeowners over 55 who want extra funds for retirement, home improvements, or to support their family.

At Sentinel Financial, we will refer you to our trusted third-party expert who will guide you carefully through Equity Release, explaining the options, advantages and risks so you can make an informed choice that fits your life-plan.

What is Equity Release?

Equity Release is a mortgage-type product that lets you take cash from the value of your home while continuing to live there.

The most common form is a lifetime mortgage. A long-term loan secured on your property, repaid when your home is sold (for example on death or if you move into long-term care).

This is a lifetime mortgage. To understand the features and risks, please ask for a personalised illustration. Check that this mortgage will meet your needs if you want to move or sell your home or you want your family to inherit it. If you are in any doubt, seek independent advice.

Who Qualifies for Equity Release?

Equity Release is generally available to:

Because Equity Release changes your financial and inheritance position, we always recommend seeking specialist advice before proceeding.

Homeowners aged 55 or over (or joint applicants both meeting the age requirement)

Owners of a UK property (excluding some outlying territories in certain cases) valued above the lender’s minimum threshold (often around £75,000)

People who own their home outright or have a small outstanding mortgage any remaining mortgage must typically be cleared from the release funds.

Why Consider Equity Release?

Equity Release can be a flexible way to:

At Sentinel Financial, we help you weigh these benefits against long-term implications and plan carefully.

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Know your credit profile

Understanding your credit profile is an important first step before applying for a mortgage as it helps to understand how lenders see you. Your credit report highlights your financial history, any missed payments, and factors that may affect your application.

Reviewing it early lets you correct inaccuracies, improve your score, and move forward with clarity.

Check your credit file:

Ready to take the leap?

Let’s explore how much you could borrow, mortgage options, and start shaping your first mortgage plan. Call us now for an initial review.

Why choose Sentinel Financial?

As an experienced mortgage broker for first-time buyers, we’ll ensure your application process is smooth, transparent, and aligned with your goals.

From start to keys

From application to moving day, we’ll handle the details and paperwork so your home-buying journey feels smooth and stress-free.

Smarter options

Access a wide range of lenders, from high-street names to niche specialists, so you’re never limited to one-size-fits-all deals

Clarity that counts

We break down complex terms and explain in a clear,  simple way, helping you make confident, informed decisions every time.

Finance that delivers

Here’s proof that our advice and service truly deliver, with experiences from clients who found clarity, confidence, and results with Sentinel Financial.

Contact us

We’re here to help whether you have questions, need advice, or want a quote.

All emails to connect@sentinelfinancial.co.uk

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