Ian Grummitt
Independent Equity Release and Mortgage Adviser
DipFA, MLIBF, CeMAP, CeRER
About Ian
Ian Grummitt brings over 30 years of experience in financial services to his role as an independent equity release and mortgage adviser with RightHomes Equity Release. Based in Nottingham, he advises clients across Nottinghamshire, Derbyshire and beyond, with appointments available face to face, by video or by telephone.
Before specialising in equity release and later life lending, Ian spent more than 18 years as a fully qualified Independent Financial Adviser, building the kind of broad financial knowledge that sets him apart from advisers who have only ever worked in one product area. That background means Ian can consider a client's overall financial picture when giving advice, not just the mortgage in isolation, and where appropriate he will liaise with other financial professionals to make sure all objectives are addressed together.
Ian's approach is straightforward: every client deserves the same level of care, clarity and honest advice that he would want if the roles were reversed. That means always exploring all available options before making a recommendation, and being willing to say clearly when equity release is not the right route. With permissions covering both lifetime mortgages and residential mortgages, Ian is well placed to compare the full range of options and point clients towards the solution that genuinely suits their circumstances.
Ian takes great care to explain financial matters in plain English, and all initial consultations are free of charge with no obligation to proceed.
Qualifications & Experience
- DipFA — Diploma in Financial Advice (Chartered Insurance Institute / LIBF)
- MLIBF — Member of the London Institute of Banking and Finance
- CeMAP — Certificate in Mortgage Advice and Practice (Chartered Insurance Institute)
- CeRER — Certificate in Equity Release (Chartered Insurance Institute)
- Certified Member, Equity Release Council
Career Background
- Independent Equity Release Adviser, RightHomes Equity Release (July 2024 to present)
- Independent Mortgage and Protection Adviser, Hollybeck Limited (2021 to 2024)
- Independent Financial Adviser, Cedar Wealth Planning Limited (2015 to 2021)
- Independent Financial Adviser, AFH Wealth Management (2014 to 2015)
- Financial services career spanning 30 years in total
Areas of Expertise
- Lifetime Mortgages — Whole-of-market advice on releasing equity from your home through an FCA-regulated lifetime mortgage, with no monthly repayments required.
- Later Life Lending — Whole-of-market advice in relation to retirement interest-only mortgages and other later life products for clients aged 55 and over.
- Residential Mortgages — Whole-of-market advice on residential mortgages, including remortgages, for clients at all stages of their property journey.
Equity release is not suitable for everyone. It will reduce the value of your estate and may affect your entitlement to means-tested benefits. A lifetime mortgage is secured against your home. Always seek independent legal advice before proceeding.