Rosewood Financial Advisers

Looking to release funds from your home?


Equity Release

If you’re over 55, equity release becomes an option for you if you are looking to release money tied up in your home without having to move. There are two main types of equity release option, lifetime mortgages and home reversion plans. A lifetime mortgage lets you borrow money against the value of your home without losing ownership. With a home reversion plan you sell all or part of the property in return for a lump sum or regular payments. the property in return for a lump sum or regular payments.

An equity release lifetime mortgage is similar to a retirement interest only mortgage but there is no monthly mortgage payment. The interest is rolled up and added to the mortgage balance. The loan is repaid on the occurrence of a life event leading to the sale of the property. The money you release can be tax free and may be used for whatever you wish, from home improvements, consolidating debts, large purchases, financial gifts or to provide a better retirement.

At Rosewood, our financial advisers will work with you to review your situation. This option is not one to be rushed in to as equity release has costs associated with it and certain considerations that need to be factored in. It is an extremely important financial decision that will affect you for the rest of your life. Hence we will ensure you have all the facts and options so you are fully aware of everything before moving forward. If equity release is the right choice for you, we will research all the available plans to suggest the one best suited to your needs.

How we can help you

At Rosewood Wealth, we believe in providing all of our clients a truly individualised financial advice service. We are here to help and guide you to find the right equity release solution for you.

Frequently Asked Questions

What criteria do I need to meet for equity release?

Equity release is available to you if you are aged 55 or over and where you have a reasonable level of equity available in your property.

Will my benefits be affected?

This all depends on whether the benefits you receive are means tested or not. Means tested benefits may be affected, such as pension credit or council tax reduction, however we will inform you if you may be affected and advise you on appropriate steps to take.

Benefits that are not means tested such as attendance allowance or disabled living allowance will remain unaffected.

How long does it take to receive my money?

If your circumstances and case are straightforward you should have access to your funds within 4-6 weeks.

Can I move home after taking out a lifetime mortgage?

Yes – provided the new property is acceptable to the lender and you have enough equity to transfer the loan.


Hear what a few of our highly satisfied clients have to say

Donna has continued to provide me with excellent counsel and I value her opinion and knowledge of the financial world very highly. She has spent the time getting to know me so she can advise accordingly and I know that should my situation change I can always call on her.

Client In Lincolnshire

Donna’s communication has been excellent as usual in all aspects relating to my pensions. Highly recommended.

Client In Derbyshire

She helped in so many ways, and sorted out my pensions with great advice, She even emailed me while she was on holiday and nothing is too much trouble. I am so glad I picked this lovely lady.

Client In Lincolnshire

Reviews and Ratings for Financial adviser Shannan Pool-Gorman, Sheffield
Reviews and Ratings for Financial adviser Donna Robertson, Sheffield

Contact our experts

Expert financial and mortgage advice tailored to you


Rosewood Wealth Management Ltd

4th Floor, 1 Waterside Place
Basin Square, Brimington Road,
Chesterfield, Derbyshire
S41 7FH
United Kingdom (UK)

Phone: 01246 932300

Registered in England and Wales Registered Company Number : 08291755. Registered address: 4th Floor, 1 Waterside Place, Basin Square, Brimington Road, Chesterfield, Derbyshire, S41 7FH.
Directors: Donna Robertson & Shannan Pool-Gorman


Monday 9:00 AM - 5:00 PM
Tuesday 9:00 AM - 5:00 PM
Wednesday 9:00 AM - 5:00 PM
Thursday 9:00 AM - 5:00 PM
Friday 9:00 AM - 5:00 PM
Saturday Closed
Sunday Closed

What to do if you have a complaint: If you have a complaint or dispute with us, you are entitled to make a complaint. We have a complaints procedure that is available on request. If you wish to register a complaint, please contact us either in writing, by telephone or email. If you wish to register a complaint, please contact us: In writing: Shannan Pool-Gorman, 4th Floor, 1 Waterside Place, Basin Square, Brimington Road, Chesterfield, Derbyshire, S41 7FH. Email:, or by telephone 01246 932300. Please be assured we treat complaints seriously. For your protection, if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service (‘FOS’). Please see the following link for further details:

A lifetime mortgage is secured against your home and is a complex product. To understand the features and risks, ask for a personalised illustration. Your home or property may be repossessed if you do not keep up the repayments on your mortgage. You may have to pay an early repayment charge to your existing lender if you remortgage. The value of your investment can go down as well as up and you may not get back the full amount invested. Accessing pension benefits early may impact on levels of retirement income and your entitlement to certain means-tested benefits. Accessing pension benefits is not suitable for everyone. You should seek advice to understand your options at retirement.

© 2019 Rosewood Wealth Management | Rosewood Wealth Management is a trading style of Rosewood Wealth Management Ltd which is Authorised and Regulated by the Financial Conduct Authority – number: 841587. You can check this on the Financial Services Register by visiting the FCA’s website – or by contacting the FCA on 0800 111 6768. The Financial Conduct Authority does not regulate taxation advice, university/school fees planning some aspects of buy to let mortgages. The guidance and/or advice contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK. The FCA’s consumer website address can be found here.