Independent Advice. Real People. Your Retirement, Your Way.

At RightHomes Equity Release, we believe that getting the right advice at the right time can change lives. We are here to make that happen, simply, honestly, and without pressure.

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Who We Are

RightHomes Equity Release Ltd is an independent, FCA-regulated later life lending specialist. We are an appointed representative of The Right Mortgage Ltd, one of the UK's leading mortgage and financial services networks, which means our clients benefit from the backing of a well-established, compliance-led organisation, combined with the personal attention of a specialist boutique firm.

We are proud members of the Equity Release Council, the industry's leading standards body, which means every product we recommend is backed by a comprehensive set of consumer safeguards and protections.

Our team of qualified advisers brings decades of combined experience across equity release, later life mortgages, and residential mortgages. We understand that decisions about your home and your finances in later life are among the most significant you will ever make. That is why we take the time to truly understand your full situation before making any recommendation, and why we will always tell you honestly if equity release is not the right option for you.

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What Makes Us Different

We are not a call centre. We are specialist advisers who put you first, every time.

Whole-of-Market Independence

We are not tied to any lender or product provider. We search the entire market to find the solution that is genuinely right for you, not the one that is most convenient for us.

Equity Release Council Members

Every lifetime mortgage plan we recommend is protected by the full safeguards of the Equity Release Council, giving you confidence and peace of mind throughout.

Your Full Range of Options

Equity release, later life mortgages, retirement interest-only mortgages, residential options, and downsizing - we explore every avenue so you can make a truly informed choice.

Advice Built Around You

Every conversation starts with listening. We take time to understand your goals, your family, and your finances before we make any recommendation.

Our Promise to You

Before we ever make a recommendation, we make a commitment:

  • We will consider every option available to you, including residential mortgages, retirement interest-only mortgages, later life mortgages, and equity release
  • We will only recommend a product if it is genuinely suitable for your individual circumstances
  • We will search the whole market, not just a panel of selected lenders
  • We will explain everything in plain English, with no pressure and no obligation
  • Your dedicated adviser will be with you from first conversation through to completion
  • Every lifetime mortgage plan we recommend will carry the full protections of the Equity Release Council

Meet Our Advisers

Our advisers are specialists in equity release and later life lending, experienced, qualified, and committed to delivering advice that is right for you.

AW

Andy Wright

Director

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Darren Cohen

Darren Cohen

Equity Release Adviser

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Graham Ladell

Graham Ladell

Mortgage & ER Specialist

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Ian Grummitt

Ian Grummitt

Mortgage & ER Adviser

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James Sudworth

James Sudworth

Former Chair, ERC Forum

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Peter Rylott

Peter Rylott

ER Specialist

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Richard Wetherill

Richard Wetherill

ER Adviser

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Royston Holmes

Royston Holmes

Director

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Sarah Couling

Sarah Couling

ER Adviser

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Tom Moloney

Tom Moloney

ER Specialist

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Tracy Ellis-Fuller

Tracy Ellis-Fuller

Later Life Adviser

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Regulated, Protected, and On Your Side

RightHomes Equity Release Ltd is an appointed representative of The Right Mortgage Ltd, which is regulated by the Financial Conduct Authority (FCA).

We are proud members of the Equity Release Council, the industry body that sets the standards for responsible equity release advice and products in the UK. ERC membership means that all lifetime mortgage products offer the following key protections:

  • No negative equity guarantee: you will never owe more than the value of your home
  • The right to remain in your home for life, or until you move into long-term care
  • The right to move your plan to a suitable alternative property
  • Fixed or capped interest rates on all lifetime mortgage products we recommend
  • Independent legal advice: your solicitor must confirm you understand the product before it proceeds
Equity Release Council member

RightHomes Equity Release Ltd. Registered in England & Wales No. 14787844. Registered address: Churchfields House, 36 Vicar Street, Dudley, West Midlands, DY2 8RG.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

A fee may be charged for mortgage advice. The exact amount will depend on your circumstances, however will usually be: £1,495 for lifetime mortgages, £995 for complex residential and later life mortgages, and £595 for straightforward residential and later life mortgages. For a lifetime mortgage you must be a homeowner and aged 55 years and over.

The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

Ready to Explore Your Options?

There is no obligation and no pressure. Just honest, expert advice from a specialist who is on your side.

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