At RM Mortgage Solutions we can refer you to an equity release specialist in Birmingham who will be able to provide advice and discuss your options.

Equity Release Lifetime mortgages are proving to be an increasingly popular way for people to raise cash to fund their retirement years. A lifetime mortgage allows someone the freedom to free up cash from their home to spend as and how they wish, with typically no monthly repayments to meet.

Interest accrues on the loan at a fixed rate each month. The loan plus the accumulated interest are repaid in full when the property is sold usually upon your (and your partners) death, or entry into long term care.

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what our clients are saying

We are Highly Rated Mortgage Broker in Birmingham

As a well established independent mortgage broker in Birmingham, we take a lot of pride in providing our clients with a first class service. We have successfully helped to arrange mortgages for first-time buyers, home movers, landlords, and clients remortgaging across Birmingham including Lichfield, Walsall, Wolverhampton, Coventry & Tamworth. This is illustrated by the many outstanding reviews our clients have written about us.

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Calin Marginean
				Hi everyone, the first time I bought a house, it's a long process, and without Chris' help I would have given up! thank you very much chris! call with confidence, very professional, they answer very quickly on the phone, emails. they find the best, efficient and quick solutions to the problems encountered during the house purchase process! I write all this after a previous less pleasant experience! ALL THE BEST FOR THIS TEAM!!!
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Pam W.
				Chris was our broker, and he was wonderful! This was our first time buying a house in the UK and it was very different than what we were used to (and our process went on a bit longer than normal) but Chris answered every question and helped advocate for us. We were very happy with the service.
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Caroline Adams
				Chris has been a star, super service, excellent attention to detail. Always goes above and beyond. Definitely use again and would recommend 100%. Thank Chris.
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Chantelle Abratis
				Richard was is very knowledgeable about various property strategies which makes things so much easier as a property investor. I look forward to working with RM Mortgage solutions on my next project.
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Jon Edwards
				RM are fantastic, I've used them twice now and I would recommend them highly. Chris offered a great service from start to end.
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Nauman Khan
				Chris you are a star as always! Thank you for going that extra mile every time I’ve come to you for the services. Thanks
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Manolis Xagorarakis
				I am using RM Mortgage Solutions Ltd for years and every time I need Mortgages they always sort it out for me whether is a new mortgage or remortgage . I am happy about result .
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Shannon Maguire
				Chris at RM Mortgage Solutions Ltd was a massive help at securing us a mortgage for our first house. As first time buyers we weren’t entirely sure on how everything worked or what to do, Chris was able to walk us through the process and answered all of questions. He was extremely patient with us and explained everything in detail, and was always very quick at getting back to us and providing frequent updates throughout the entire process. I couldn’t recommend Chris enough to anyone seeking a mortgage!
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June Gilchrist
				When I needed to release funds to from my property, Chris found the right solution for me quickly. He organised everything from start to finish and all was completed in less than a month. I would highly recommend this company as Chris is both very knowledgeable and super supportive throughout.
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eve goff taylor
				Thoroughly recommend RM mortgage solutions. A stressful process made quick easy and efficient, by Chris being able to take the pressures away. 5 star service and would highly recommend. Thank you for your help Chris, James.
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Gail Maguire
				We had an excellent experience with Chris from RM Mortgage Solutions. My husband and I, decided on having a remortgage, which ended up being an extremely complicated situation, we thought we were never going to find a lender. Thankfully, Chris was amazing at finding us a mortgage for a non traditional build with our credit scores. He helped us through the process and made it a lot easier for us through explaining how it will work step by step, consistently keeping us up to date, offering guidance and support, especially when things were a bit difficult. If I could give Chris more than 5 stars, I would. I cannot recommend him and his expertise enough! He is also currently handling my daughter and her partners mortgage as first time buyers, and the process has been stress free for them, thanks to Chris.
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yin Tracy
				Chris at RM Mortgage Solutions Ltd was an absolute star in helping us secure our first mortgage. As first-time buyers, we had a lot of questions and uncertainties, but Chris was always there with clear, concise answers. His patience was remarkable—never once did we feel rushed or pressured, even when we had countless questions. Chris took the time to explain everything in detail and made sure we felt confident in our decisions. We’re so grateful for his exceptional service and would recommend RM Mortgage Solutions Ltd to anyone, especially if you’re a first-time buyer looking for a trustworthy and patient advisor
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Equity Release Lifetime Mortgage – Advantages

Usually there is no requirement to make monthly repayments.
The ownership of your home remains yours.
Your estate will still benefit from an increase in your property’s value.
The possibility to redeem the mortgage.
The cash lump sum is yours to spend as you wish.
Some lifetime mortgages allow you to guarantee an inheritance.
Lenders who are members of the Equity Release Council provide a “no-negative equity” promise which guarantees that the amount payable on your mortgage will never exceed the value of your home. This ensures that your family will not owe the lender anything when you pass away.

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If you’re considering an equity release mortgage, speak to our specialised advisors today for a referral and support.

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Equity Release Lifetime Mortgage – Disadvantages

The inheritance you can leave to your family will be reduced.
An early repayment charge could be payable if you pay off your mortgage early.
Your entitlement to state benefits may be affected. However, you can discuss with an equity release specialist whether or not your benefits would be impacted.
Local authority grant entitlement e.g. for essential home improvements could be affected.

Why trust RM Mortgages Solutions?

By choosing us as your mortgage advisor, you can be sure to receive comprehensive advice from experienced professionals with access to cutting-edge information about the current mortgage market. Our team of experienced professionals takes pride in their ability to build long-term relationships with clients and assist them throughout the entire mortgage process, from start to finish.

We understand that each client’s situation is different, so we work hard to ensure that each mortgage is tailored specifically to fit your requirements. We always provide impartial advice and unbiased opinions – allowing our clients complete peace of mind when making important financial decisions.

To discover what RM Mortgage Solutions can do for you, get in touch with our specialist advisors today.

Equity Release may involve a lifetime mortgage or home reversion plan which is secured against your property. To understand the features and risks always ask for a personalised illustration.

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