Welcome to

Martin Engleman’s

Equity Release Service




E njoy the wealth in your property without having to move home

Q uash your credit card debts and loans ** See note at foot of page

U pgrade your home with an extension / new kitchen / bathroom / windows / central heating

I ncrease your monthly income by repaying your borrowings and cancelling your loan repayments

T ravel abroad more frequently to family and friends

Y ou require care assistance at home

educe Inheritance Tax on your estate

njoy more frequent holidays and leisure breaks or your first cruise

eave an early inheritance to your children

nhance your savings or monthly income by deferring your mortgage repayments

ssist your children with their wedding, buying their property or eliminating their debt

ave for your grandchildren’s education

xchange your car for a newer model

  • Are you and / or your co-homeowner aged 55+ ?
  • Do you have a problem in renewing or extending your existing mortgage ?
  • Do you or your children need to raise capital ? 
  • Do you wish to upgrade or extend your home ?  

If YES is your answer to any of the above questions and you would like a FREE non-obligation telephone consultation to explore your Equity Release eligibility and options, then please call me on 01268 761022 / 07901 948745; Ask for MARTIN ENGLEMAN


Martin Engleman is qualified by examination at the Chartered Insurance Institute in equity release and mortgage practice. He is also a qualified member of The Institute of Professional Will Writers, The Society of Mortgage Professionals and The Personal Finance Society.

Realising the growing mortgage, credit card and loan repayment problems of many retired borrowers, Martin made the decision to study, sit and qualify for the Equity Release examinations of the Chartered Insurance Institute.

He has been in the Financial Services industry for 41 years, having been a City management accountant for 12 years, then an independent financial adviser for 29 years, arranging mortgages, life assurance, pensions, annuities and investments.

Meetings are almost always conducted at your home to arrange a tailored Will reflecting your current family situation and concerns, together with an Inheritance Tax check on your estate assets.


  • AIPW Associate of the Institute of Professional Will Writers
  • AFPC Advanced Financial Planning
  • Certificate CII (Chartered Insurance Institute)
  • Dip PFS (Personal Finance Society)
  • Certificates in Mortgage Practice & Equity Release
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An Equity Release plan is a way of accessing the money tied up in your property without having to move home – your ‘equity’ is the value of your home, minus any outstanding mortgage. Because property prices have generally increased over time, many people’s homes are now worth more than what they paid for them, which means those at or approaching retirement could have more money tied up in their home than from their savings and income.

Equity Release plans are available to homeowners who are age 55 or over, and can be used to raise a tax-free lump sum or additional income from your property.

Equity Release can be used for many reasons, including:

  • Paying off any outstanding mortgage on your property
  • Making home improvements
  • Paying off any credit cards or loans
  • Enjoying a more comfortable retirement
  • Purchasing one-off items such as a new car or holiday
  • Helping out friends or family members


The money that you release is tax-free and can be spent in almost any way you want, plus there are typically no repayments to make unless you wish to. With lifetime mortgages, the most popular type of Equity Release, you continue to own 100% of your home and the plans are ‘portable’ which means that you can still move home in the future if you wish.

All plans come with a no-negative equity guarantee, so you can never owe more than your home is worth, plus some plans include options to guarantee an inheritance for your beneficiaries.

Specialist Equity Release advice is essential in order to discuss the effect on the amount of inheritance you can leave, and if your entitlement to means-tested benefits could be affected now or in the future. Other important things to consider are whether there are any alternatives to Equity Release, such as downsizing, or if there could be early repayment charges should you wish to pay off an Equity Release plan early.


You can release a lump sum of cash from the value of your property, whilst maintaining 100% ownership of your home. There are no monthly repayments to make as the amount released, plus any interest accrued, is repaid from the sale of your property when you pass away or move into long-term care, or decide to sell your property befroe such events.
This is similar to the standard lifetime mortgage, but with more flexibility on how you take your money. Rather than just receiving a one-off lump sum, you can release your cash over time, as and when you need it. Because you only accrue interest on the cash you have taken, this can be a more cost-effective way to release equity.
This is like a standard lifetime mortgage, however you can choose to make repayments in full or on an ad-hoc basis to reduce the effect on the value of your estate. Some plans allow you to make repayments that are equal to or less than the amount of interest that is charged. The balance is paid off from the value of your estate once you have died or moved into long-term care.
A home reversion plan allows you to exchange the ownership of your property for a lump sum of cash, and the right to stay in your property, rent free, for the rest of your life. Because you can continue living in your home rent-free for life, you would generally receive an amount for your property that is lower than its market value.

** Think carefully before securing other debts against your home: by extending the terms of the debts, you will be increasing the overall cost

Equity Release may involve a lifetime mortgage or home reversion plan: to understand the features and risks, ask for a personalised illustration

Age Partnership Limited is a Company registered in England No. 05265969, and authorised and regulated by the Financial Conduct Authority. FCA registered number 425432


I work with one of the UK’s leading Equity Release specialists, Age Partnership. Their qualified advisers can help you decide if it’s right for you and search the market for the scheme that best meets your individual needs and circumstances.


Simply view Age Partnership’s Equity Release calculator CLICK HERE to check how much money you could release, then call Martin Engleman on 01268 761022 / 07901 948745




Martin Engleman - equity release

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