Secure Your Financial Freedom

Explore how releasing equity from your home can offer people over the age of 55 comfort and security, without any upfront stress.

happy older couple enjoying a holiday in early retirement

Unlock Your Home's Potential

Learn how you can responsibly release equity to enhance your lifestyle and meet your financial goals.

Gift today, secure tomorrow

Why wait? Offer early inheritances and enjoy life's pleasures now, with a plan that ensures your home's value for the futures.

Live your dreams, keep your home

Turn your home equity into tax-free cash for travels and luxuries, without the fear of losing your home or burdening your legacy with debt.

Enhance your home and income, protect your legacy

Discover how to upgrade your lifestyle and supplement your income, tax-free, while keeping your home and peace of mind intact.

What our customers think

Working with Ajay & Jordanne is one of the best decisions we have made. Their knowledge in property and mortgages is unbeatable and they provide the highest quality service.

They are honest, ethical and willing to go a thousand miles above and beyond and I have full faith that they will continue to be the best in the market.

Let us find an Equity Release mortgage for you

Jordanne is our equity release expert and is available Monday to Friday, for a no obligation consultation.

Jordanne Whiley

Navigating Equity Release with Confidence

Learn how you can responsibly release equity to enhance your lifestyle and meet your financial goals.

Over 55s only

Equity release offers a unique opportunity for those over 55, providing a flexible solution to financial needs in later life. Whether you're looking to support your retirement, fund a well-deserved holiday, or pass on an early inheritance to your children, equity release can be a valuable tool.

Changing perceptions

The equity release market has evolved significantly from its early days. Past concerns were valid at a time when regulations were less robust, leading to a lingering stigma. Today, the landscape is entirely different. With stringent regulations and a commitment to protecting homeowners, equity release now offers a safe, flexible way to access the wealth tied up in your home.

Your safeguards

  • No Negative Equity Guarantee: You’ll never owe more than the value of your home, ensuring your debt won’t outweigh your property’s worth.
  • Inheritance Protection: Choose to safeguard a portion of your home’s equity to leave as an inheritance, giving you peace of mind and security for your loved ones’ future.
  • Freedom to Live Your Life: Equity release can provide funds for any legal purpose without the need for monthly repayments, offering financial freedom to enjoy your retirement as you see fit.

What our customers think

Kashif SharifKashif Sharif
15:32 22 Sep 23
The team at Hearthstone Mortgages recently managed my re-mortgage. Their service was very professional, swift, and ultra efficient. I am absolutely delighted with how the process went from start to finish, and I would highly recommend doing business with them.
Gary CorbettGary Corbett
18:08 15 Sep 23
Incredible service and advice from start to finish. When you work with Ajay you feel that your deal matters to him as much as it matters to you.A great addition to any power team, I look forward to working with Ajay on our next project.Highly recommend!
Sandra BSandra B
13:45 31 Aug 23
Best experience with a mortgage broker in a long time. Very responsive and reliable. Special thanks to Jordanne, highly recommend them!
Lee TomlinsonLee Tomlinson
22:33 30 Aug 23
I've worked with Hearthstone Mortgages on a number of occasions and have a great relationship with them. They have found me some great deals and communication is great whenever I need support. We'll certainly work together in the future.
Joe NewmanJoe Newman
17:20 22 Aug 23
Had an excellent experience dealing with both Ajay and Nadine who assisted my limited company with a remortgage and purchase at the same time. Would highly recommend and will definitely use again in the future.
joey awaritefejoey awaritefe
20:38 17 Aug 23
Hearthstone Mortgages were great at supporting us with first getting a bridging loan, and then securing a buy to let mortgage.Ajay was able to provide guidance throughout the processes and Nadine was always on hand to ensure things were ticking along and to answer any queries.
Jason EdgeJason Edge
22:04 16 Aug 23
Used Hearthstone for the first remortgage in our portfolio. Jordanne was very helpful through the whole process and a pleasure to work with. In you need advice or a mortgage of any kind I would highly recommend them. Thanks again
Jamie BoxallJamie Boxall
11:07 16 Aug 23
We have been working with hearthstone now for two years.The team are incredible at what they do they take time to understand your case and really work to get your the right product for you.I strongly recommend Ajay and his team to any investors or for your own residential purchase
Conor HarrisonConor Harrison
18:38 21 Dec 22
Second time I've worked with Ajay at hearthstone and won't be the last! An expert in his field and delivers such a personable and professional service, thanks for everything!
King Panda PropertiesKing Panda Properties
08:12 03 Dec 22
Excellent knowledge, systems and client care, Hearthstone Mortgages has it all!In particular, a portfolio owner herself, Mortgage Advisor Jordanne deserves a special mention. From Day 1 her understanding and attention to my client needs has been outstanding and she is an absolute asset to the business and company owner, Ajay.I wholeheartedly recommend using Hearthstone based on my experiences, be it a private mortgage, BTL, portfolio etc. I will certainly be continuing to use them going forward. Thanks, Jordanne. KPP
Simon CharnockSimon Charnock
17:46 14 Sep 22
Great communication throughout, excellent service, always happy to help and advise making the remortgage of a HMO property very straight forward.Thanks Ajay and teamSimon @ C&W Homes
Carys GreenCarys Green
18:15 11 Jan 22
I can’t fault the service i received for my remortgage. Other advisors were put off with my slightly complicated situation however Ajay made the whole process easy and completely seamless. He also went above and beyond to push forward to completion whilst he was on holiday.Thanks for all your help and looking forward to working with you again in the future.
Dessi DonchevaDessi Doncheva
16:21 13 Mar 21
Couldn't thank Ajay from Hearthstone Mortgages enough for his support, professionalism and responsiveness! Ajay pretty much held our hands through the purchase of our first investment property, guiding us through the process, explaining every detail I questioned on the mortgage documents and doing his best to speed up the purchase at a time when solicitors and lenders were being inundated with work and slowing things down. When our mortgage offer expired, Ajay got right on it and even got us a better rate! Not to mention, he was even chasing our solicitors and escalated the case internally as the solicitor handling our case wasn't very on top of things, so Ajay got them changed, leading to the purchase completing within a few weeks afterwards. All of this for a very fair price - what you pay is much less than what you get! Thoroughly recommend Ajay and the team and will be using them again in the future for sure!

Equity Release FAQs

The only mandatory criteria you must meet to be eligible is that you must be aged 55 or over, and any existing mortgage on your home must be repaid.

You can pay back the loan at any time, however early repayment charges will be payable for a set amount of time, usually between 8-15 years. You may also be able to make overpayments or voluntary payments during the term of your loan without penalty. However, if the loan is repaid on death, or upon entering long term care, then no early repayment charges will apply.

The amount you can borrow is determined by the value of your property, your age and your personal circumstances. The maximum loan to value you can release is 55%.

Speak to Jordanne about equity release today

Jordanne is our equity release expert and is available Monday to Friday, for a no obligation consultation.

Jordanne Whiley

THINK CAREFULLY BEFORE SECURING DEBTS AGAINST YOUR HOME OR PROPERTY. Your home or property may be repossessed if you do not keep up repayments on your mortgage. Hearthstone Mortgages is a trading name of Hearthstone Advisory Limited, which is authorised and regulated by the Financial Conduct Authority (FRN: 945282). Hearthstone Advisory Limited is a company registered in England and Wales (Company Number 10563329) with its registered office at Europa House, Marsham Way, Gerrards Cross, Buckinghamshire, SL9 8BQ. View us on the FCA register here. We are a credit broker, not a lender. We may receive commissions that will vary depending on the lender, product or other permissible factors. The nature of any commission model will be confirmed to you before you proceed.

© 2023 All rights reserved. Hearthstone Mortgages, a trading name of Hearthstone Advisory Limited.

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