Telephone:
0191 695 9493

Email:
info@northeastequityrelease.co.uk

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.

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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.

    Lucy Jordan
    Lucy Jordan
    2024-01-30
    Jo has successfully guided us through our mortgage application process. All our contact was either by phone or email. Jo was quick to respond to either method of contact. Our questions were answered clearly and Jo's questions and information requests were set out so as to be easy to understand. Thank you Jo!
    Georgie Conor
    Georgie Conor
    2023-12-21
    Joanne has been incredibly efficient and helpful throughout the process. What I personally am personally grateful for, and felt very assured by, was even after we secured a new mortgage deal, Joanne kept updating up with new, better deals until the deadline. This ensured that we dod indeed get the best deal for us. It would have been easy to just allow us to settle with the original deal we agreed on, as changing back and forth between deals adds extra stress, but I am very thankful for Joanne’s constant research and hard work. Thank you again and I’m sure we’ll be back :-) Conor
    Elahi Shah Amin
    Elahi Shah Amin
    2023-12-19
    Great service from Joanne. Super helpful, very attentive and knowledgeable. Helped me so much. Thank you
    Timothy Mann
    Timothy Mann
    2023-12-17
    Excellent service all round.
    Lib Jensen
    Lib Jensen
    2023-12-15
    Jo was invaluable to us throughout what proved to be a very complex mortgage application. She was communicative, supportive, honest and went above and beyond to ensure we fully informed every step of the way. Jo is dedicated and compassionate whilst also delivering top level professionalism every step of the way. I would highly recommend Jo's services to anyone needing mortgage support.
    Paul Ferguson
    Paul Ferguson
    2023-12-13
    I have used Joanne for all of my mortgages and remortgages for 20yrs. So have many of my colleagues and friends. Joanne always works incredibly hard to find the best deals on the market to suit you. She has a wealth of knowledge and experience and I have always found her to be super efficient as well as being very friendly and approachable. Nothing is too much to ask. I couldn’t recommend Joanne highly enough.
    Laura Wilkinson
    Laura Wilkinson
    2023-12-11
    I have used Joanne for many years now, her service is unmatched, and she offers a very personal touch. I have shared recommendations to close family members, there is noone i would trust more to guide me on a journey to buying a home.
    sara woollam
    sara woollam
    2023-12-08
    Jo is just so wonderful and reassuring. We have used her to mortgage and remortgage twice. I’ve no idea where abouts she is in the world but wherever she is, she responds so promptly and is super professional, helpful and has her customers at best interest. Jo picks up the phone and emails back straight away, whatever the query. Very reliable, friendly and makes alll the terminology make sense. Jo also gave us superb advice about life insurance and personal recommendations. I cannot recommend this superwoman highly enough. Thanks Jo!
    ben smith
    ben smith
    2023-11-26
    We have used Joanne for our mortgage both times we’ve bought and she’s made the process straight forward and stressfree. As a first time buyer this made the process so much easier for us and joanne was very informative every step of the way. We had struggles with me being self employed however Joanne was able to get the sorted very quickly and showed us all our mortgage options. There’s no one else we would go to now, and we would highly recommend Joanne to anyone. Thanks again!
    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, 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, at 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 and have been working for Sterling Trust Professional since April 2017, of which North East Equity Release is a trading style. North East Equity Release was 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 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.

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