Money Ways UK is directly regulated & authorised by the Financial Conduct Authority (FCA) as Independent Financial Advisor’s with over 20 years industry experience.
We are members of the Personal Finance Society, accredited members of The Society for Will Writers and proud to be an Accredited Member of The Equity Release Council

What could equity release do for you?

  • Tax-free funds from your home.
  • You retain home ownership.
  • No negative equity' guarantee.

Equity Release is not right for everyone  - there are Pros and Cons which we are happy to explain with a free initial consultation ((for Equity Release in Guildford.

We are totally independent and while this site focus’ on Equity Release, we are able to help with all area’s of financial planning including, Estate Planning, Will Writing, Inheritance Tax Planning & Investments.

Based in North Camp, Farnborough - we can visit you at home clients or place of business.
 We are proud to offer independent advice and help in all area's relating to equity release. We will take the time to listen and understand individual clients, explaining things in plain English to formulate advice best suited. We are also happy to make recommendations to legal professionals we work with, a key condition of Equity Release is independent legal advice for all clients.
 I would like to point out that this site does not included a quick calculator. The amount that can be borrowed is affected by a numerous factors, including age, health and house value and I would prefer to give accurate figures and accurate rates/costs.

HOW DOES EQUITY RELEASE WORK?
There are 3 Options Designed To Suit Your Needs

The First is the LIFETIME MORTGAGE
A lifetime mortgage enables you to release a tax-free cash lump sum from the value of your home. You will continue to own your home completely and retain the right to live in it for the rest of your life.
You can choose to repay the interest each month or make no monthly payments and roll up the interest into the loan amount. The amount borrowed plus accrued interest is usually repaid from the proceeds of the sale of your property when you die or move permanently into long-term care.
It is important to note that the loan is secured against your home and a lifetime mortgage will reduce the value of your estate. 


The Second is ENHANCED LIFETIME MORTGAGE

An enhanced lifetime mortgage could allow more cash to be released from your property than a standard lifetime mortgage. This is dependent on lifestyle and medical factors that are taken into consideration. 
These factors include health and lifestyle issues such as weight, blood pressure, medical conditions and whether or not you smoke. 
It is important to note that, like standard lifetime mortgages, the loan is secured against your home and an enhanced lifetime mortgage will reduce the value of your estate.


The Third is the HOME REVERSION PLAN

A Home Reversion Plan involves selling part or all of your home to a home reversion provider.
You receive the sale proceeds as cash, which can be paid as regular instalments or as a single lump sum. 
On most home reversion plans you retain the right to stay in your property rent-free for the rest of your life.
You will receive less than the full market value of your home, because the buyer cannot re-sell the property until you die or move permanently into long-term care.

We have made the business decision not to advise on or offer this type of equity release product due to the negative impact it can have.

What My Clients Have To Say

"I did not feel pressured....Very relaxed friendly approach to finance’’
Richard - I went in to Money ways to enquire about my pension options on the off chance. Mike greeted me with an air of confidence and welcoming and began to clearly explain pension types, risk levels and the choice of the whole market! It was the first time that I could say I understood the pension system, most surprising was the consultation was for free and yet I did not feel pressured to commit or hurried to move on. Very relaxed friendly approach to finance, I will never ask at my bank branch for financial advice again!!

"Caring, experience and willingness to help’’ 
Alfie - I went to Mike Daniels on a recommendation of a close friend. My situation is very complicated and distressing. Mike was amazing with not only his kind and caring nature but in his experience and willingness to try and resolve the issues at hand. He is full of ideas and solutions, very professional, knowledgeable and trustworthy. I will definitely continue to seek his advice and recommend his services with confidence.

"Doesn’t baffle you with jargon’’
Neville - Found Money Ways through Google search, needed advice on pensions and equity release and couldn't have found better company to deal with, Mike Daniels immediately puts you at ease, doesn't baffle you with legal jargon just gives you the facts and keeps you informed on progress. Definitely recommend to anybody looking for financial advice

 "Highly recommended! "
Sylvester - I have dealt with Mike for over four years now following recommendations and have had nothing short of consistent high professional services and honest advise. Adequate time devoted to understand your requirements and enough research made to give you all the options available based on your circumstances/requirements and very sound advice on each option. Thanks for being so flexible and accommodating and above all for sourcing a better product for me. I have recommended Mike to many friends who have been very happy with services provided.

"Definitely one of the good guys"
Karen - Would highly recommend using Mike. Explains things that you can understand. He's always at the end of the phone if you have any other questions. Definitely one of the good guys.

 "Highly recommended"
Yvonne - Following a recommendation I went to Mike for advice (which wasn’t a straight forward case). However I found Mike to be very professional and knowledgeable; within a week we had made an application and had it accepted. I then returned to Mike for Pension advice, again he knew his stuff and got me a great deal and dealt with all the paperwork. During both processes Mike kept me updated on the progress. I will use Mike again without hesitation if I need any further financial advice. Thank you

"Michael offers a very professional service" 
Stuart - Michael offers a very professional service and provided a very detailed analysis for my requirements,. I cannot recommend Money Ways highly enough.

"Fantastic service"
Daniel - Fantastic service. I've returned to Mike for all my financial professional services requirements. He's extremely prompt, really jovial and offers an excellent advisory service as well. You can call him anytime for advice and if you take up his services you'll get a fantastic service from him.

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