Testimonials

Hear what our clients are saying!

J. H-B.

I have used Sharon Harvey at Seafield Mortgages since my first property purchase in 2003. Whether you’re a first-time buyer, an existing homeowner, looking to re-mortgage, or a property investor, Sharon will go out of her way to find the right mortgage deal for you and save you £100’s each month. In a market where it has become increasingly difficult to borrow, knowing which lender and deal are right for you can be daunting. Sharon is well qualified, clear, practical, highly knowledgeable and able to deal with both the most simple and complex situations. Sharon goes the extra mile with her dedication and impeccable customer service. 

"We have access to a wide range of mortgage and insurance providers to ensure we can find you a competitive financial solution, which meets your needs and your budget".

"We specialise in providing advice and guidance on Mortgage and insurance products but we can also put you in touch with trusted partners for help with Pensions, Investments and Wills".

Types of Equity Release

"I have been in the Mortgage and Finance Industry since 1988, based in Southbourne, Bournemouth and cover nationwide.

I take pride in my level of knowledge of the market and customer service.

Being a whole of market Mortgage Broker means I research on a whole of market basis to find the right mortgage for you.

We offer a range of services for mortgage clients, from Equity Release, to new purchasers, to constructing portfolios for new buy to let landlords, to helping increase yield for experienced ones, I can deliver both bespoke service & advice to these diverse marketplaces.

And my commitment to you does not end there. I strive to offer my clients the best possible service so that they become a “client for life”. I offer ongoing reviews and, of course, you are most welcome to contact me even when a review is not scheduled".

Sharon Harvey CeMap, CeRER – Founder Seafield Mortgages Ltd

LIFETIME MORTGAGE

You borrow a proportion

 of your home’s value

Interest is charged on the amount

 throughout your lifetime

DRAWDOWN LIFETIME MORTGAGE

You take smaller sums 

over a period of time

You only incur interest 

on the money you release

You continue to own 

and live in your home

If you take out a drawdown lifetime mortgage, it is important to consider a lasting power of attorney which we can help you with

"Our key aims are to fully understand what you are looking to achieve, create a solution tailored to your needs, deliver results through an excellent service and build a relationship for life".

"We specialise in providing advice and guidance on Mortgage and insurance products but we can also put you in touch with trusted partners for help with Pensions, Investments and Wills".

We can examine a comprehensive range of Equity Release mortgages from across the market on your behalf and advise you on the most suitable options for your individual circumstance. We take the confusion out of Equity Release and present the options clearly and simply, allowing you to make sense of the products available.

Once we have found the most suitable Equity Release product for you, we will submit your application and progress right through to completion, keeping you informed of key stages in the process.

Equity release is a complex legal arrangement and expert independent legal advice will always be involved within the process. To understand the features and risks, please ask for a personalised illustration. 

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.

Inheritance Tax planning and Power of Attorney is not regulated by the Financial Conduct Authority.

What is Equity Release?

How can Equity Release help?

Equity release allows you to access the value held up in your home and turn it into money you can spend as you wish. How much equity you can release depends on your age, how much your property is worth and how much you choose to borrow.

People over 55 often have little or no outstanding mortgage and lots of value tied up in their home. Many others have an interest-only mortgage and no way of repaying it. 

• By releasing cash from your home without moving out
• You can receive your cash as a lump sum, as an income or both
• You can use the money to spend as you wish
• There is no need to make monthly repayments (but some providers give you the option)​

Plans are regulated by the Financial Conduct Authority (FCA)

We only advise on plans from providers who are members of the Equity Release Council.

Am I eligible?

What can I use Equity Release for?

• You must own your own property
• Your home must be worth at least £70,000
• You must be a UK resident
• You must be 55 years of age or older
• If your property is not your main residence, there are buy to let equity release products available.

Increasing retirement income

Home or garden improvements

Paying off existing debts

Helping your children or grandchildren with a deposit for a home

Holidays or holiday homes

Healthcare

Buying a new car

Inheritance tax planning

Repaying an existing mortgage

How much can I borrow?

The maximum amount you can borrow is based on your age and the value of your property;

Amounts vary between different lenders;

If you smoke, take medication or have certain medical conditions you may be able to release more cash, get abetter interest rate or both.

I already have an equity release plan, can I switch?

As with standard mortgages you may be able to switch your lifetime mortgage to take advantage of falling interest rates and a better deal. A new plan may:

• Offer a reduced interest rate;
• Save your estate substantial sums;
• Allow additional borrowing;
• Provide increased flexibility.

Contact us - We will help you calculate your borrowing potential.

"We specialise in providing advice and guidance on Mortgage and insurance products but we can also put you in touch with trusted partners for help with Pensions, Investments and Wills".

"Our key aims are to fully understand what you are looking to achieve, create a solution tailored to your needs, deliver results through an excellent service and build a relationship for life".

"We have access to a wide range of mortgage and insurance providers to ensure we can find you a competitive financial solution, which meets your needs and your budget".

EQUITY RELEASE QUESTIONS

How does an equity release work?

You can access the value held up in your home through Equity Release and turn it into money you can spend as you wish. The amount of equity you can release depends on your age, how much your property is worth and how much you choose to borrow.

Is equity release really a good idea?

Equity Release is a good idea if you are looking to unlock tax-free cash in your home. You can also achieve this without the need to make monthly repayments.

Can I sell my house if I have equity release?

Equity Release plans may allow you to move your mortgage to a new property if you decide to sell your house. However, this might trigger an early repayment charge. Please call us to discuss this further.

What is a lifetime mortgage?

You can access the value held up in your home through Equity Release and turn it into money you can spend as you wish. The amount of equity you can release depends on your age, how much your property is worth and how much you choose to borrow.

How can we help?

Get in Touch

Feel free to send us a message using the contact form below.

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Head Office: Bournemouth

Other locations:

London

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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.