Advice provided through Avalon FS Ltd, authorised and regulated by the Financial Conduct Authority.
Someone who'll talk it through properly
My name is David Whiteside and I'm an adviser with Avalon FS Ltd. I help homeowners across Merseyside get to grips with their options, so you can decide whether equity release suits you before you commit to anything.
I work with clients remotely, so you don't have to go anywhere to see me. Whether you're in Liverpool, on the Wirral or in Southport, we can speak by phone or video call at a time that works for you.
I advise on lifetime mortgages and retirement interest-only (RIO) mortgages only. I'll explain how each works, what it costs and what the alternatives are, and if equity release isn't the right move for you, I'll say so.
Avalon FS is a member of the Equity Release Council, and its standards are there to protect you.
What I can help with
- Explaining lifetime and retirement (RIO) mortgages without the jargon
- Giving you a rough idea of how much you might release
- Weighing it against other options, such as moving to a smaller home
- Including your family in the conversation, if you'd like that
- Guiding you through every stage if you choose to go ahead
Where I advise homeowners
I provide advice across the five Merseyside boroughs and the towns within them, including:
- Liverpool
- Sefton
- Knowsley
- St Helens
- Wirral
- Southport
- Birkenhead
- Widnes
Live somewhere close by that isn't listed? Get in touch and we'll see how I can help.
What lenders look at when you own a home in Merseyside
No two homes or situations are the same. The kind of property you own, where it is and what you plan to do with the money can all shape what's available to you.
- A valuation comes first. The lender arranges one, and it plays a big part in how much may be offered.
- Flats and leasehold homes. If you own a flat or a leasehold property, lenders usually want to see how long is left on the lease, so keep those details handy.
- Older or non-standard homes. Some lenders won't lend on certain types of construction, so mention it if your property is a little out of the ordinary.
- A mortgage you still have. This is normally cleared from the money released, and the calculator lets you include it.
- Independent legal advice. You'll need to see a solicitor before going ahead, and I'll explain how that works.
What does advice cost?
Your first conversation with me costs nothing and doesn't commit you to anything. Should you decide to go ahead, I'll confirm every fee and cost in writing before you commit.
You can find more in the frequently asked questions.
Let's talk it over
Give me a few details about your situation and I'll explain what the options could look like. You're under no obligation.