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PRIVATE FINANCIAL EXCELLENCE
The highest quality service, expertly tailored to you, your home and to your financial wishes.
Estimate your equity release
Your Bower Private Equity Release Calculator will show how much tax-free cash you could release from your property
Find out in sixty seconds
Accessing your property wealth
With decades of premier equity release experience behind us, we know how to find the deal that’s precisely right for you.
We will happily work alongside your existing accountant, solicitor or professional associate. Whatever you need to feel reassured. We will then help release your tax-free funds and pay them directly to you, professionally and efficiently, with the minimum of fuss.
When you are ready to find out more about our private equity release service, simply get in touch. We will arrange a call to introduce ourselves personally and talk through how we work for you – and with you – to deliver the best result.
Bower Private Clients. Here to give you the most private, personal and professional service.
“Very informative. Gave time to consider options but once decisions were made were very efficient in carrying these out. I would recommend this service.”
“Our experience with Bower has been excellent. From the start, they provided us with all the relevant information we needed to make our decision and have continuously kept in touch making sure we are aware of any updates.”
“Really fantastic service. Andrew Card could not have been more helpful and accommodating. Not only did he find the right lifetime mortgage for us he went out of his way to make the whole process easy for my elderly mother.”
The bower private clients process
Everything you experience with us – from your first call to releasing your
tax-free equity – will be delivered in the most personal, private and
professional manner.
We always work with complete transparency and honesty so you are
always informed and in control, every step of the way.
How our process works:
01
Our initial meeting
When you are ready to find out more, an experienced member of the Bower Private Clients team will call to arrange a personal appointment with you at your home (or wherever you prefer). We welcome any family members, friends or financial professionals to attend this meeting with you.
02
Your options explained
When you meet your personal adviser, they will take the time to learn more about you, listen to your specific needs and talk through all the options available to you. They will present the advantages and disadvantages of all these plans and explain everything you need to consider. Then they will outline the costs, fees and timeline so you have total clarity of the process.
03
Taking the time
You are never under any pressure to proceed. There are no time constraints, no ‘last-minute deals’. With Bower Private Clients, you can take all the time you want to consult with your family, friends or professional financial advisers. If and when you are ready, we will be there for you.
04
Our second appointment
When you are happy to proceed, your dedicated adviser will present a full recommendation outlining the best option for you, your property and your financial goals.
05
Choose your solicitor
Your adviser will then arrange the necessary paperwork and present a panel of specialist solicitors for you to choose (if you do not wish to use your own) to help with all the legal matters.
06
Completion
It can take around six to eight weeks (sometimes less) to produce the formal offer and complete all legal formalities. The money is then paid directly to you, minus fees and costs, by your solicitor.
Equity release explained
Here we have clarified and explained everything you need to know about private equity release. We talk through popular reasons for releasing equity, the advantages and disadvantages, and how we are always here to help you, every step of the way.
At Bower, we will understand your unique circumstances and advise you to ensure you are receiving the best plan to meet your objectives. There are plans that allow you to make voluntary repayments and move home, subject to lender criteria. However, early repayment charges may apply in certain circumstances.
Equity release requires paying off any existing mortgage. Any money released, plus accrued interest to be repaid upon death, or moving into long-term care. Equity release will reduce the value of your estate and your entitlement to means-tested benefits now or in the future, and impact long-term care funding.
Bower Private Clients provides independent, impartial whole of market advice with an award-winning customer service experience. We work alongside our clients using a highly collaborative approach. We provide you with an initial consultation at our expense and we work with you on a short-term or an on-going basis, according to your needs. Initial advice is provided at no cost to you and without obligation. Only if you choose to proceed and your plan completes, would a typical advice and administration fee of £1,895 be payable.
If you are considering equity release, we recommend that you talk to one of our specialists before deciding if you wish to proceed.
To find out more about any of the products and the service we provide,please call us on freephone 0203 817 6040, email [email protected], use our contact form.
Please be aware that equity release may involve a home reversion plan or lifetime mortgage which is secured against your property. All features and risks are thoroughly explained in your free personalised illustration.