Hearthstone Mortgages is a 5-star rated Equity Release Mortgages broker in Gerrards Cross, Buckinghamshire

Equity Release Mortgages Gerrards Cross

Your home could be your biggest asset, and equity release lets you access that wealth while staying put. Explore lifetime mortgages and home reversion options with our later life lending experts.

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Hearthstone Mortgages is a trading name of Hearthstone Advisory Limited, which is authorised and regulated by the Financial Conduct Authority (FCA Reference number: 945282).

Here's What Our Clients Say.

Unlocking Your Property Wealth.

Access the wealth tied up in your Gerrards Cross property through our comprehensive equity release mortgage service. We provide impartial advice on lifetime mortgages, home reversion plans, and retirement interest-only mortgages, helping you maintain independence while unlocking tax-free cash. Our later life specialists ensure you understand all options, safeguards, and implications, working with Equity Release Council members to protect your interests and those of your beneficiaries.

Our mortgage activity at a glance

153

Mortgages completed in 2026.

£27,191,837

Lending secured for our clients in 2026.

£239,643

Average mortgage secured for our clients in 2026.

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Why clients trust Hearthstone Mortgages.

Mortgages, but not as you know them;

Whole-of-market advice – independent, unrestricted lender access
Same-day agreement in principle – get clarity fast, provided we have your full details
FCCA, MBA, CeMAP & CeRER qualified team – high-level credentials, real experience
Property investors advising property investors – we’ve done it ourselves
Specialists in bridging, development & equity release
Award-winning, highly reviewed – verified 5-star Google ratings
Olympic ambition, real-world results – we aim high, deliver better
Film-producer founded – creative, not corporate
FCA regulated & transparent – compliance meets clarity

Proud to support the Local Community.

We proudly support:

Chalfont Otters Swimming Club – Premier Sponsor.
Beaconsfield Town FC – Main Sponsor.
Wycombe Wanderers FC – Community Partner.
Featured in Bucks Free Press and MSN News.

What our clients think:

Equity Release Mortgages FAQs.

What is an equity release mortgage?

An equity release mortgage is a way of accessing tax-free cash tied up in your home while you continue living in it. Typically this is achieved through a “lifetime mortgage” or a “home reversion plan”, both secured against your property and repaid when you either move into long-term care or pass away. It’s aimed at homeowners aged 55 and over and allows you to draw on your home’s value without monthly repayments in many cases.

How does equity release work?

With equity release, you retain the right to live in your home (under a lifetime mortgage) while borrowing against its value. The loan plus any rolled-up interest is repaid when you move into long-term care or die, typically by selling the home. In a home reversion plan you actually sell part (or all) of your home to a provider in exchange for a lump sum or income, and continue to live there rent-free

What is the catch with equity release?

Equity release can reduce the value of your estate and affect what you leave to heirs. Also, because the interest can roll up over many years, the debt can grow significantly, meaning the remaining value to your beneficiaries may be far lower. Plus, while you can still move house in many cases, you’ll need your provider’s agreement and your new property must meet lending criteria.

Can I still sell my house if I have an equity release?

Yes - you can sell your home after taking out an equity release plan, but you’ll need to repay the plan (including any interest) from the sale proceeds. If you want to move to a new home and keep the plan, many providers allow you to “port” the plan to a new property, provided it meets their criteria.

Local Market Insight For Gerrards Cross

Average property price in Gerrards Cross: £1,180,270
Detached properties sold for an average of £1,621,260
Semi-detached properties averaged £886,000
Flats fetched an average of £596,950
Prices were 2% up on the previous year and 14% below the 2022 peak of £1,366,669

Source: Rightmove Market Trends, Gerrards Cross.

Meet the Hearthstone Mortgages Team.

The Hearthstone Mortgages team is based in Gerrards Cross and supports clients across Buckinghamshire and West Sussex with clear, whole-of-market mortgage advice.