Our Services

At Home Owners Advice Ltd, we understand that securing the right mortgage is crucial to your financial well-being. That’s why we offer comprehensive mortgage services, designed to cater to your unique needs, whether you're a first-time buyer or an experienced homeowner. Our team of experts takes the time to fully understand your financial situation, ensuring we help you find the best mortgage options available. From navigating the complex process of purchasing a new home to securing a competitive remortgage deal, we’re committed to supporting you through every step of the way. We work with a wide range of lenders and are dedicated to finding the most suitable rates and terms to fit your circumstances, providing you with peace of mind in what can often be an overwhelming market. Our personalised approach ensures that you have all the information and options you need to make an informed decision.

At Home Owners Advice Ltd, we specialise in equity release, offering homeowners aged 55 and over the opportunity to unlock the wealth tied up in their property. With the increasing cost of living and the need for a secure retirement income, many people are looking to their homes as a solution to improve their financial security. We provide a tailored service, carefully assessing your needs to ensure you receive the most appropriate equity release option. Our advisers work closely with you to help you understand the various products available, such as lifetime mortgages and home reversion plans, explaining the benefits and potential risks involved. By unlocking the equity in your home, you can create a more comfortable retirement, fund essential projects, or simply enjoy life with greater financial freedom. We guide you through the entire process, ensuring you make decisions that support your long-term financial goals.

Our lifetime mortgage options are designed for homeowners who wish to borrow against the value of their property while retaining full ownership and the ability to continue living in their home. A lifetime mortgage is a flexible, long-term loan that is typically repaid when the homeowner passes away or moves into long-term care. The loan amount is based on the value of your property and your age, and it allows you to access funds without the need to move or sell. This option is particularly beneficial for individuals who wish to maintain control of their home and ensure it remains a part of their family’s legacy. We provide in-depth advice on the different lifetime mortgage plans available, ensuring you fully understand how they work, the interest rates, and how the loan will be repaid. Our experts will help you assess whether a lifetime mortgage is the right solution for your retirement needs, offering financial security for your later years.

At Home Owners Advice Ltd, we offer expert assistance in drafting wills and establishing trusts, ensuring that your assets are managed and distributed in accordance with your wishes. Whether you are looking to create a simple will or set up a more complex trust arrangement, we provide clear, practical advice to ensure your estate is handled effectively. Our team understands that planning for the future is an emotional process, and we work closely with you to ensure your legacy is preserved. We help you make informed decisions about who will inherit your assets and how to protect your loved ones. Trusts, in particular, can be an effective way to manage your wealth, safeguard assets for future generations, and avoid lengthy probate processes. We will guide you in selecting the right type of trust—whether it’s a family trust, a discretionary trust, or a charitable trust—based on your individual circumstances and objectives.

Planning for the future is essential to securing the financial well-being of your loved ones, and at Home Owners Advice Ltd, we offer a comprehensive range of estate planning services to help you manage your assets and ensure your wishes are carried out after you're gone. Whether you're looking to create a will, establish a trust, or plan for the distribution of your estate, our team of experts is here to guide you through the entire process. We help you ensure that your wealth and belongings are distributed according to your wishes, minimising potential family disputes and providing peace of mind. Our services include tailored advice on how best to structure your estate to reduce tax liabilities and maximise the value of what you pass on to your heirs. With our comprehensive estate planning services, you can protect your legacy, safeguard your family's future, and ensure your financial goals are met.

Establishing a Lasting Power of Attorney (LPA) is an important step in ensuring that your financial and healthcare decisions are managed by someone you trust if you ever become unable to make those decisions yourself. At Home Owners Advice Ltd, we guide you through the process of setting up an LPA, ensuring you understand the different types of powers it provides. An LPA allows you to appoint a trusted individual—such as a family member or close friend—to make important decisions on your behalf in the event that you lose mental capacity. We explain the difference between Property and Financial Affairs LPAs and Health and Welfare LPAs, helping you choose the right approach to protect both your financial assets and your personal well-being. Our team supports you through the legalities, ensuring that your LPA is set up correctly and in line with your preferences, providing security and peace of mind for both you and your loved ones.