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Unlock the Cash in Your Home – Tax-Free & On Your Terms
If you’re over 55 and own your home, you could unlock some of the value tied up in your property—without having to sell or move. Whether you want a tax-free lump sum to fund home improvements, travel, or simply enjoy retirement, or a regular income to boost your financial security, there are options available to suit your needs.
Turn Your Home’s Value into Financial Freedom
At Optimus Mortgages, we specialise in later-life lending solutions that help homeowners access the wealth in their property. Depending on your goals, we can guide you through options such as:
✅ Equity Release (Lifetime Mortgage) – Access a lump sum or flexible drawdown payments, with no required monthly repayments.
✅ Retirement Interest-Only Mortgages (RIOs) – Borrow against your home while keeping monthly costs low and manageable.
✅ Remortgaging – If you have an existing mortgage, switching to a better deal could free up funds for your retirement plans.
Enjoy Life on Your Terms
Releasing equity from your home can help you:
✔ Supplement your pension and increase your retirement income.
✔ Cover unexpected costs or medical expenses.
✔ Make home improvements for a more comfortable future.
✔ Travel, enjoy hobbies, or simply enhance your lifestyle.
We’ll explain everything in simple, straightforward terms, helping you make an informed decision about what’s right for you.