Equity Release Enquiry - Craig Spark - Richard James Partnership Ltd

Craig Spark is a registered individual with Equity Release Enquiry

Craig has worked in Financial Services since 1984 and in that time has gained a wealth of experience in advising on mortgages. You will also have seen that Craig has the Qualifications CeFA, CeMAP and CeRER after his name and these stand for:

This means that you can be assured of Craig’s experience, expertise and qualifications.

Craig decided to specialise in Equity Release mortgages after his father took one out in 2007. He will be happy to refer you to other colleagues for other types of mortgage, pension and protection advice but has decided to only deal with, and specialise on, equity release mortgages.

Many people are now living in nice properties with either small or no mortgages at all. So as the saying goes they are 'Property rich cash poor' and with the new regulations regarding Equity Release these people can now release some of those monies to enhance their lifestyle, clear any outstanding mortgages and debts, help their children or have those dream holidays. Yet stay in that home for the rest of their lives with NO mortgage repayments.

Equity Release Enquiry - Craig Spark - The Mortgage Marketplace Ltd

Equity release is now a growing option for those who need a helping hand in giving them the retirement they deserve, by releasing some of the equity in their property.

As an Independent Specialist Equity Release with Equity Release Purchase he can research the entire Equity Release Market and source the most competitive deals and solutions for your Equity Release needs. Put simply, he wants to assist you to enjoy your retirement whilst helping you save money wherever he can and you can be assured that his Broker fee's are among the most competitive on the market.

How does it work?

Whether you complete the instant online quote fields, or request a call back, Craig will telephone you for an initial friendly chat. He will find out what your needs and wants are and answer any questions you may have. From that initial discussion, he will be able to get an idea of what you are looking for. He will ensure at that stage that you qualify for Equity Release and discuss how it could work for you. He will then conduct a FREE, no obligation consultation to complete a full analysis of your situation, explain how Equity Release works, check how it may affect any State benefits you are entitled to and then tailor his advice to your specific needs.

He will explain the importance of using an independent mortgage adviser, and provide you with a full explanation of how the Equity Release Purchase gets paid. He will also fully explain all the fee's and charges before you make any decisions.

Also, he will research the entire Equity Release Market and find you great deals that match your specific requirements and present them to you in order for you to make an 'informed' decision, if you are happy with everything, he will then complete the required documentation for you to proceed. We offer Lifetime mortgages from the whole of market and we will always recommend the most suitable product that matches your needs. As part of our whole of market approach, we undertake full research including a specialised panel of a small number of providers, a list of which can be provided if you wish. You will not have to make any commitment until you are talking to a solicitor who will also ensure you understand everything and have no outstanding questions. The usual timeframes are 4 - 6 weeks from initial chat to the monies being paid into your account.

To understand the features and risks of a lifetime mortgage, please ask for a personalised illustration.

Terms and Conditions

Our charges are based on the loan amount and the complexity of your individual circumstances. We will provide you with a free initial consultation and we will always explain what you will be charged before you decide to proceed with an application. For our service we charge a fixed fee of £1,295. For a further advice or to re-broke an arrangement with the same client, a reduced fee of £795 is charged.

These fees apply to regulated mortgages. Certain mortgages, primarily most buy to let and commercial mortgages, are not regulated. Fees for non-regulated mortgages can vary depending on your requirements and circumstances.

Legal

Equity Release (Lifetime Mortgage) is a loan secured against your home.

To understand the features and risks of equity release, please ask for a personalised illustration.

If you are thinking of consolidating existing borrowing you should be aware that you may be extending the term of the debt and increasing the total amount you repay.

The actual interest rate and fees charged will depend upon your circumstances.

Unless you decide to go ahead, our service is at our cost.

Only if your case completes would our advice fee of £1295 be payable.

Other lender & solicitor fees may apply.

At One Stop 4 Equity Release Limited we are committed to providing our clients with expert later life financial advice tailored to their individual needs.

As a whole-of-market firm, we continue to offer a comprehensive range of equity release (lifetime mortgages) products from across the market.

However, for Retirement Interest-Only (RIO) Mortgages, Term Interest-Only (TIO) Mortgages, and Fixed Rate Later Life Mortgages, we have chosen to work exclusively with LiveMore Mortgages. This means that while we consider all available equity release and later life lending options across multiple providers, for these specific products, we will only recommend solutions from LiveMore Mortgages.

If you proceed with a mortgage that requires payments to be made, your home maybe repossessed if you do not keep up repayments on your mortgage.

Equity Release Enquiry is a trading style of One Stop 4 Equity Release Limited.

One Stop 4 Equity Release Limited is authorised and regulated by the Financial Conduct Authority under No: 952887.

One Stop 4 Equity Release Limited is a registered company in England and Wales, registration No: 13452621. Registered address: 30 North Street, Bourne, PE10 9AB.