We offer personalised, independent mortgage advice to help you find the best deal whether you’re a first-time buyer, remortgaging, moving home, or investing in a buy-to-let property. Our expert advisors compare products from a wide range of lenders, explain your options in plain English, and guide you through the entire process – from initial consultation to application and approval. We’re here to take the stress out of mortgages, saving you time, money, and uncertainty with clear, honest support tailored to your needs
There are several types of mortgages to suit different needs. The most common are fixed-rate mortgages, where your interest rate stays the same for a set period, and variable-rate mortgages, where the rate can change. Other options include tracker mortgages, which follow the Bank of England base rate, and offset mortgages, which link your savings to your mortgage balance to reduce interest. The right option depends on your financial goals, lifestyle, and risk tolerance.
The amount you can borrow typically depends on your income, monthly outgoings, credit history, and the size of your deposit. Lenders usually offer between 4 to 4.5 times your annual income, but this can vary. Speaking with a mortgage advisor can help you understand your borrowing power and find lenders that are more flexible based on your circumstances.
While it’s possible to apply for a mortgage directly, working with an independent advisor can save you time, money, and stress. An advisor compares deals across the market – not just from one lender – and helps you find a mortgage that truly fits your needs. They’ll also guide you through the application process, explain the fine print, and improve your chances of approval by matching you with suitable lenders.
We provide clear, expert equity release advice to help you unlock the value in your home and enjoy greater financial freedom in later life. Whether you’re looking to supplement your retirement income, support your family, or fund a big purchase, our advisors explain your options clearly and without pressure. We compare plans from leading providers, ensure you understand the long-term implications, and support you every step of the way – offering regulated, personalised guidance you can trust.
Equity release allows homeowners aged 55 or over to unlock some of the money tied up in their property without having to move. The most common type is a lifetime mortgage, where you borrow against the value of your home while retaining full ownership. The loan, plus any interest, is typically repaid when you pass away or move into long-term care. It’s a flexible way to access funds in later life – whether to boost retirement income, help family, or cover unexpected costs.
Yes – with a lifetime mortgage, the most popular form of equity release, you remain the legal owner of your home. You can stay in your property for as long as you live, and most plans are regulated to include a no negative equity guarantee, meaning you’ll never owe more than your home’s value. This gives you peace of mind while still benefiting from the equity you’ve built up.
Equity release can be a helpful solution for many, but it’s not right for everyone. It can reduce the value of your estate and may affect eligibility for means-tested benefits. That’s why it’s important to get regulated, impartial advice. We’ll take the time to understand your goals and circumstances, explain all your options, and help you decide whether equity release is the best path for you – or if there’s a better alternative.
Get in touch to see how our expert wealth management services can help you grow and protect your assets, and start planning for your future.
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HYFi Private Wealth is the trading name of HYFi Private Wealth Ltd Registered in England no: ‘01763054’
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HYFi Private Wealth Ltd is Authorised and Regulated by the Financial Conduct Authority FCA number: 133473
