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Help Your Loved Ones Now – Unlock the Value in Your Home
As a homeowner over 55, you’ve worked hard to build equity in your property. Now, you may be thinking about how you can use it to support your family, whether that’s helping your children or grandchildren onto the property ladder, gifting an early inheritance, or providing financial security when they need it most.
The good news? You don’t have to sell your home to make this happen.
Gifting Money Without Selling Your Home
At Optimus Mortgages, we specialise in later-life lending solutions that allow you to access the wealth tied up in your home while remaining in the place you love. Depending on your circumstances, we can help you explore options such as:
✅ Equity Release (Lifetime Mortgage) – Unlock tax-free cash from your home to gift to family, with no required monthly repayments.
✅ Retirement Interest-Only Mortgages (RIOs) – Borrow what you need while keeping monthly costs low, ensuring affordability in later life.
✅ Remortgaging – If you have an existing mortgage, switching to a better deal could release funds for gifting.
Give Your Family a Helping Hand – On Your Terms
Whether you want to help a loved one with a house deposit, pay off their debts, or give them financial stability for the future, there are flexible ways to achieve this without putting your own financial security at risk.
We’ll talk you through the options clearly, ensuring you understand the benefits and considerations before making any decisions.
Speak to a Specialist Today
Time is of the essence when your mortgage is coming to an end. Get the expert advice you need today. Call us for a free, no-obligation consultation and let’s find a solution that works for you.
📞 Call us now on 07947 296455
📅 Or book a free consultation