01902 213201

Use your home to give you financial freedom with Equity release

I know exactly what criteria the Equity release providers are looking for so I can help you find the Equity release product you need.

Common Questions that clients have about Equity Release.

Equity release is a way for older homeowners to access some of the money (the equity) that is within the value of their home.

If you are over the age of 55 and a homeowner, you are probably eligible to take out an equity release plan. The money you release is yours to spend on what you want. Popular choices are home improvements, repaying debts, helping children on to the property ladder or simply enjoying later life.

The commonly asked questions about equity release

Yes, with an equity release plan, you’ll still own your home and can stay in it for as long as you want to.

Is it possible to fall into negative equity?

Not with the plans that meet the Equity Release Council standards and come with the no-negative equity guarantee, meaning you’ll never owe more than your home’s worth (which are the only plans we deal with).

Yes you can. Equity Release Council plans can be transferred to a new home, subject to meeting the plan criteria

You will need to appoint an independent solicitor to complete the legal side of the process to give you and your family peace of mind.

You can use it in a wide variety of ways – but think carefully about how much you need to borrow.

Yes, you can. Some of our plans guarantee a set percentage of your home’s value, at the time your plan ends, will be retained.

Yes, however, you will need to repay the mortgage using the money released. Any funds left over belong to you.

Your home will be sold once you and your partner have died. The sale proceeds will be used to repay the amount you owe and any money left will go to your estate.

Your property will be valued by an independent RICS registered surveyor so you can be confident of an unbiased opinion of your property’s worth.

The money you release is tax free, and clients use it for a variety of things, such as travel, home improvements, and paying off their existing mortgage

how i work

collect details

I will take some details from you about your circumstances this can be done over the phone or face to face

my research

Once I have all the correct information I will then do my reasearch and then come back to you with my recommedation

proceed the application

When you are happy with my advice we can proceed with the application, I will keep you updated as to when your mortgage will complete as we talk to the others parties involved, soliictors, estate agents etc.


Mortgage broker at Apple Finance

I am CEMAP qualified and I been estabished in the mortgage and finance industry since 2007.  I offer remortgage advice from the whole of the market, including the high street lenders to the small building society’s and niche mortgage providers. If you have credit issues, defaults or a challenging financial history, don’t worry there will be a solution for your problem. 

Just Some People I've Helped

Linda O'Neil, Penn, Wolverhampton.
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I have always wanted to buy a property but my bad credit history made it difficult to get a mortgage from the bank. I did a research on how to build my credit and I came across Apple Finance. At first I thought it was one of those brokers who will give you all the sweet talk to get you into sign a contract with them and later leave you. I gave them a call and the person who answered took his time to explain all my questions. He then gave me time to think about it and get back to them.  Apple Finance got me a good mortgage deal from one of their trusted lenders and I am now a house owner.  In a nutshell, I would say if you want to buy a property, no matter how bad your situation is just call them and their well trained team will advice you on what to do. They are very professional and they mean business.  I would recommend Apple Finance. Thanks guys Linda O'Neil, Penn, Wolverhampton.
Thais Radall, Whitmore reans, Wolverhampton.
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Can’t rate Apple Finance highly enough. Very personal service on our remortgage and always happy to take my calls or respond to emails. Whole process only took about 8 weeks from first enquiry. I still can't believe what they achieved with our credit rating. Brilliant Thais Radall, Whitmore reans, Wolverhampton.


We can have a quick informal chat about your current situation to see if I can help.

    Apple Finance,  The Work Space  
    All Saints Road, Wolverhampton,
    WV2 1EL    MON – SAT  8AM – 9PM

    01902 213201

    Apple Finance is a trading style of Paul James Thomas which is an appointed representative of Beneficial Life (London) Ltd, which is authorised and regulated by the Financial Conduct Authority, FCA number 736655. Paul James Thomas is authorised and regulated by the Financial Conduct Authority, 918650.