- Europa House, Marsham Way Gerrards Cross, SL9 8BQ
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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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Call 01753 463391 or just pop in your details below and one of our expert mortgage advisers will personally reach out to help you take the first step.
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.
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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. 
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
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.
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.
Meet the experts behind our success. Each adviser at Hearthstone Mortgages holds CeMAP or higher-level certifications, real property experience, and deep knowledge of specialist lending. This includes buy-to-let portfolios, bridging finance, equity release, and commercial lending.
CeMAP
Founder and Managing Director
Ajay is the Managing Director of The Hearthstone Group, who excelled in the mortgage advisory space leading him to founding Hearthstone Mortgages in 2019. In addition to being at the top of the game in the UK advising on mortgages, bridging loans, protection and more, Ajay has built his own property portfolio across the UK. He has spoken on numerous panels throughout his career to fellow investors and mortgage lenders, and is a highly valued spokesperson for one of the most active property networks around.
Ajay’s fuel for helping as many people as possible drives him to continue growing the Hearthstone brand making sure that the knowledge he and his team share with clients is invaluable, creating possibilities that seem unattainable.
When he’s not securing property dreams for himself and mortgage clients, Ajay can be found hanging around the film studios as an actor and multiple award winning producer with over 20 projects to his name.
CeMAP, CeRER, PhD
Office Manager and Senior Adviser
Jordanne is an award-winning and highly experienced Senior Adviser across mortgages, equity release, commercial property, bridging, development finance, protection and will writing. Jordanne oversees the day-to-day operations at Hearthstone Mortgages; her drive to help her clients achieve their dreams is unmatched and her constant praise and reviews speak for themselves.
Additionally, Jordanne is a tennis 4x Paralympic medalist and 13x Grand Slam champion, having competed at the highest levels, prior to bringing her quite literally Olympic level ambition to Hearthstone.
CeMAP
Specialist Mortgage & Development Finance Adviser
Jamie brings a unique edge to Hearthstone Mortgages, combining a deep understanding of property finance, construction, and investment strategy. Before joining the industry, Jamie spent several years working hands-on in the construction sector — giving him a practical, ground-level insight into how property really works.
As a buy-to-let investor and adviser, Jamie specialises in helping landlords, developers, and portfolio clients across the South Coast and South East secure finance for everything from single-unit lets to multi-million-pound development schemes.
Jamie’s advice is always direct, strategic, and rooted in real-world experience. Whether you’re navigating complex lending criteria or looking to scale your portfolio, Jamie works to cut through the noise and deliver results, not jargon.
He primarily supports clients in Chichester, Bognor, Portsmouth, Southampton, Brighton, Hove, Eastbourne, and across the GU, RH, KT postcodes in Surrey, as well as Bournemouth.
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