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Equity release/later life lending are referred to a third party. Sexton Financial Services Ltd is not responsible for the service received.

A Lifetime Mortgage will reduce the value of your estate and may affect your entitlement to means-tested benefits and tax status.

The impact of not servicing monthly interest payments on a Lifetime Mortgage is that the outstanding debt can grow rapidly, thus reducing the value of your estate. For example, if the interest rate was 7% a year, a £50,000 loan would double to £100,000 after 10 years assuming no repayments are made.

This is an example for illustrative purposes only and personalised advice and recommendations should be sought from a qualified professional.

You are strongly advised to register a lasting power of attorney. This will allow your affairs to be managed by somebody else if your mental abilities significantly decline.

Specialist mortgages for later life.

Designed to help people life comfortable lives in retirement, later life mortgages help homeowners with insufficient income from pensions or savings to access funds, or for people finishing an interest-only mortgage without the means to repay the outstanding capital.

Many of the basic qualification criteria are the same as for standard mortgage products, with the fundamental difference being that the property will be used to repay the capital when it is sold, or in the event of death or incapacity as opposed to monthly repayments contributing to outright ownership.

RIO - Retirement Interest Only

RIO mortgages allow people to purchase property on an interest-only basis, but without the need to outline a repayment strategy. These mortgage types have no set repayment term, so it is not repaid until death or entry to long term care, and they are available to purchase a new home or remortgage an existing one. To be eligible, most lenders insist that applicants must be over 55 and be able to meet the monthly repayments.

Local. Experienced. Trusted.

Specialising in helping clients with mortgages in Harpenden, Luton and across Herts, Beds, Bucks and Nationally across the whole UK, we have developed an enviable reputation for delivering outstanding outcomes for our customers.

Our commitment to unrivalled service and ability to build strong connections promotes a true collaborative approach which we bring to every interaction.

Taking the time to understand our clients and their needs enables us to tailor the advice we give and help select the perfect product. We have access to the most competitive rates on the market and the expertise to find the right solution for you.

Call us today on 01582 455592

Equity Release

Equity release is a tax-free way to access some of the capital tied up in your property by either borrowing against its value or selling part or all of it in exchange for a regular income or lump sum. A lender will provide you with funds in return for a share of the proceeds when your property is sold, providing you meet the eligibility criteria which state you must be aged 55 or above and own your home.

There are two main types of equity release:

Lifetime mortgages are available from age 55 and release cash that doesn’t need to be repaid until you enter long-term care or pass away.

Expert advice should be sought before taking out an equity release mortgage and we work with third-party specialist mortgage brokers who will work with you to understand your needs and arrange the right mortgage with the right lender with the right conditions.

Clarity and Simplicity

With equity release, the interest on the balance outstanding is added each month, meaning the mortgage gets bigger over time. With a RIO mortgage, the balance remains the same as the interest is being paid each month.

With many short-term and long-term factors to consider, we can help you access clear advice that allows you to easily compare the options available from across the market and make straightforward decisions that are right for you.

Call us today on 01582 455592 or send an e-mail to gerry@sextonfinancialservices.co.uk to talk to one of our Advisers

We are not authorised to provide advice for equity release products. This will be passed to a suitably qualified and authorised specialist. To understand the features and risks ask for a personalised illustration. An equity release product will reduce the value of your estate, will not be suitable for everyone and may affect your entitlement to state benefit. Depending on the adviser you are referred to, there may be a fee for equity release advice the value of which will be confirmed at any initial meeting.

Effective and Efficient

Gerry and the team at Sexton Financial Services have been absolutely fantastic! We have just remortgaged which can be very stressful as a self employed couple but everyone in Gerry’s team has been professional, friendly and very efficient. We were shocked how quickly the team work. Gerry is very knowledgeable and it’s obvious he really cares about his clients. He was always happy to personally take our calls and answer any questions we had.

My husband and I had a negative experience with a different company 5 years ago who took weeks to respond to emails and often just ignored our calls. They made the whole mortgage process even more stressful. We just felt like a number to them.

Gerry and his team were the complete opposite. They are so on the ball with everything, they were always happy to help. It was such a pleasant experience, we will certainly be coming back here for any other financial services going forward.

Thank you Gerry and team 😊

Chelsea and Brendan Fields

I can't recommend Gerry and the team highly enough! From the very first call, they took the time to truly understand our individual needs. The advice has been clear, and always tailored to our specific situation. The team have been super responsive to any of my queries along the way. If you're looking for someone knowledgeable, trustworthy, and genuinely committed to helping you, I highly recommend reaching out. It's one of the best decisions I've made.

Colum Boland, May 2025

Great fast service.

David Hawkins, May 2025

I'd leave 6* if I could! My second mortgage with Sexton and I can not explain how easy the process is, an amazing admin team around, communication is awesome and so delighted with the product we were able to fine! Will always recommend to friends and family.

Aaron, February 2025

Amazing company! Really took the stress out of buying our first home and were there every step of the way. They didn't mind answering any questions I had and did so with such kindness and patience, being a first time buyer, I was clueless! They found the best deal for us, and kept checking the market ensuring we got the best rate before completing. I honestly cannot recommend them enough. Friendly, knowledgeable, patient and had the perfect personal touch. Thank you, guys

Kirsty Smith, February 2025

I was recommended to use Sexton Financial Services as a mortgage broker through a friend. Throughout the entire process i found the team to be extremely attentive, proactive and responsive. This being my first time taking out a mortgage i had many questions that were all explained to me very clearly. I felt the team were driven to get me the best product possible and i am confident we managed to find the best deal available. I would like thank Gerry, Kirstie and Natasha for their help and I will be passing on the good word if anyone were to ask me for a recommendation.

Robert, February 2025

If you'd like to learn more about us and services we provide, please get in touch with our friendly team today on 01582 455592 or fill out the form below and we will get in touch:

You voluntarily choose to provide personal details to us via this website. Personal information will be treated as confidential by us and held in accordance with GDPR May 2018 requirements. You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone. By submitting this information you have given your agreement to receive verbal contact from us to discuss your mortgage requirements'.

Unit 16, Thrales End, Harpenden, AL5 3NS Call: 01582 455592 Email: gerry@sextonfinancialservices.co.uk

Fees

Mortgages

For our mortgage advice services we will charge a fee of £399.
If you make any amendments once you have received your offer, we will charge an additional £25 to cover our administration costs.
For our buy- to- let mortgage advice services for an individual we will charge a fee of £399 & £450 for a Limited Company.

Mortgage Product Transfer

For our mortgage product transfer advice services we will charge a fee of £90.00

Mortgage advice – payment due at the time of the formal offer
Amendments – payment is due at the time the amendment is made
Buy to let mortgages – payment is due at the time of the formal offer
Product Transfers – payment is due at the time of formal offer

Complaints Procedure

Please click here to view out complaints procedure.

Regulatory Information

The guidance and/or advice contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK. Sexton Financial Services Ltd, registered in England and Wales at Unit 16, Thrales End, Harpenden, AL5 3NS (number 10519945). Sexton Financial Services Ltd. is an appointed representative of PRIMIS Mortgage Network. PRIMIS Mortgage Network is a trading name of First Complete Ltd. which is authorised and regulated by the Financial Conduct Authority. The Financial Conduct Authority does not regulate some forms of Buy to Let. This website does not collate Cookie data.

Call:01582 455592

Email: gerry@sextonfinancialservices.co.uk