Can I tailor my lifetime mortgage? The range of lifetime mortgages that we recommend allow you to personalise the features and protections of your plan so you can live the later life you want. Equity release can only be taken following qualified advice and your equity release adviser will talk you through the features available based on what you’d like to do. Don’t forget, some of these features may be available on other products, and your Key Advice Solutions adviser will talk you through your options as part of your advice journey. What’s important to you? Lifetime mortgage feature I’d like to reduce the size of the loan on which the interest is charged Partial capital repayments I want to take some money now and come back for more at a later date Drawdown I’d like to be able to move home if my circumstances change Porting, subject to criteria I want to take all my money in one go Lump sum It’s important I always remain the owner of my home Lifetime mortgages we recommend I don’t want to ever owe more than my home is worth Lifetime mortgages we recommend
We’ll support you through the equity release process, step by step Speak to an expert A specialist will answer initial
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questions you might have and arrange a consultation with a local, expert equity release adviser
Talk to your family We encourage you to discuss equity release with your family and invite them along to appointments
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First appointment A dedicated adviser will discuss the options available and find out more about your particular circumstances and requirements
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Finding the right plan Should you decide to proceed, your adviser will search through the range of Sunrise lifetime mortgages to find the most suitable one for you
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Second appointment Your adviser will present their recommendation and answer any questions you may have. Your adviser will also provide a personalised illustration Offer issued You’ll be issued with an offer following a satisfactory valuation including full terms and conditions of your plan for your approval
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Starting the paperwork Should you decide to proceed, the paperwork will be submitted and your property will be valued by an independent surveyor
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If I do choose or need to repay my loan early, I’d prefer to have fixed early repayment charges that I know in advance
Lifetime mortgages we recommend
I'd like to receive discount on my interest rates
Interest reward lifetime mortgage
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Legalities Independent solicitors acting on your behalf will cover the legal aspects
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Complete in 8–12 weeks Although a timescale can’t be guaranteed, this is the typical time it takes from application to completion
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Money released Time to start enjoying the money released
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