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Imagine a retirement where you can do more of the things you love.

Whether you are concerned about the rising cost of living or wish to buy a motorhome … whatever your financial requirements may be, a Lifetime Mortgage could be the answer. If you age 55 or over and a homeowner, you could release a tax-free cash lump sum with the option of no monthly repayments.

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    Free, No obligation Advice on Lifetime Mortgages

    In addition to arranging Lifetime Mortgages, as part of our process to provide you with best advice, we will also consider whether other later life financial products or a standard residential mortgage could be a better option for you.
    We specialise in mortgages for the over 50’s, so this is worth considering in order to limit the impact of equity release on your estate.

    With a lifetime mortgage, you can continue to own your home

    Continue To Own Your Home

    We can help you find a lifetime mortgage with a fixed interest rate

    Lifetime Fixed Interest Rates

    No Negative Equity guarantee

    No Income Assessment

    With a lifetime mortgage, you can continue to own your home

    Stay In Your Home For Life

    We can help you find a lifetime mortgage with a fixed interest rate

    No Credit Checks

    What Is Equity Release?

    Equity Release is the umbrella name for products that provide consumers with a way of releasing the wealth tied up in their property without necessarily having to sell it and move to another home.

    There are two main types of equity release, both are regulated by the Financial Conduct Authority which means firms advising on and providing these plans must meet clear standards.

    The most popular type of equity release is a Lifetime Mortgage whereby customers retain full ownership of their home, and this is the only type of equity release plan we recommend.

    The value of your home, minus any outstanding mortgage or any other lending secured against your home is described as your equity.

    Because the funds are yours in the first place, a Lifetime Mortgage is simply a way of releasing them, and the money you receive is tax-free and can be spent on anything you like.

    With no monthly repayments to worry about, although you can choose to service all or part of the interest and even make capital repayments if required, the loan and any interest accrued is repaid on either the sale of the property, entering long term care or death (of the surviving partner for joint applications).

    The other type of equity release is a Home Reversion Plan where customers sell part or all of their home in exchange for a cash lump sum while retaining the right to remain in it, typically rent free. We do not provide advice on these products.

    More About Lifetime Mortgages

    Portrait of Joanne, your lifetime mortgage adviser

    Meet Joanne,
    Your Personal Later Life Mortgage Adviser

    As a highly experienced Later Life Mortgage Adviser, you can be assured you will receive a friendly, no obligation, first class personal and professional service from myself, whatever your requirements.

    I will guide you through all of the options available to you in a clear and concise manner.

    I also welcome any of your family members or friends to be present at any appointments if you wish and can be held in the comfort of your own home, our offices in Cramlington or by telephone or video call.

    Financial Services has been my career for the last 30 years starting as a cashier with Barclays Bank. I gained my professional qualifications to enable me to become a qualified mortgage consultant in 1995 with Northern Rock and became an Independent Mortgage Advisor working for Countrywide based at Bairstow Eves Estate Agency in Gosforth from 1997 until 2010.

    I then moved into the Independent Financial Services marketplace have been working for Sterling Trust Professional since April 2017 of which North East Equity Release is a trading style, set up to specifically promote specialist mortgage advice in the later life lending market.

    As the need for later life borrowing has increased dramatically in recent years, it was important to me that I could continue to assist my clients in this area and as such I became a qualified Later Life Mortgage Adviser in 2017 and I now specialise in this area of financial planning.

    I am also proud to be a member of the Equity Release Council which promotes a very high standard of conduct and practice in the provision of advice on equity release products.

    Find Out More

    Paul RamagePaul Ramage
    12:41 14 Jul 22
    Joanne was extremely helpful and very professional in dealing with a request for me
    KT MaddoneKT Maddone
    16:56 05 Apr 22
    I've been using Joanne's services for over 5yrs now, initially to find the right mortgage and rate for my circumstances at the time and since, has sorted the remortgage on the same property.She always makes sure she understands your situation, potential future changes which may need to be considered (i.e. moving home, extending etc) and gives thorough advice regarding all this.She is super efficient, keeps you updated and always available to communicate.We won't use anyone else and would highly recommend her!
    Quynh NguyenQuynh Nguyen
    20:31 21 Mar 22
    We've received an excellent service from Joanne during our recent mortgage application. From the start she has been very accessible including after hours/late when requested to meet deadlines. Highly recommend her very professional and knowledgeable advice.
    Eleanor KingEleanor King
    21:01 17 Mar 22
    excellent service, very helpful with regular communication and updates. would not hesitate to recommend or use again.
    Wayne FreemanWayne Freeman
    21:24 16 Mar 22
    Fantastic service, fast effective and stress free.
    Ashley ClemmetAshley Clemmet
    20:39 16 Mar 22
    Joanne has assisted us twice now in obtaining and then transferring our mortgage. She made the process hassle free and clearly explained everything to us. She is very good at her job and we would highly recommend her services!
    Gail MasefieldGail Masefield
    17:23 22 Apr 21
    Very friendly and knowledgeable service. Definitely recommend