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Could You Unlock An Even Better Retirement?

Find out if an equity release mortgage is the right way to help finance your retirement. Get your personalised report in the next five minutes

Welcome to later life freedom

Courtesy of equity release

We are Oculus Equity Release, specialists in helping people improve their retirement by using the wealth ‘locked up’ in their home.
Based in Farnham, Surrey… the two Directors have over 70 years of experience in Financial consulting and are the ‘equity release’ specialist division of Oculus Wealth, a large wealth management company.
Equity release refers to a range of products letting you access the equity (cash) tied up in your home if you are over the age of 55.
Based in Farnham, Surrey the two Directors have over 70 years of experience in Financial consulting.

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If you have any questions get in touch today and a member of our experienced staff will be happy to help

What is Equity Release?

Equity release refers to a range of products letting you access the equity (cash) tied up in your home if you are over the age of 55.

You can access the the money in 3 ways:
1. As a ‘tax free’ lump sum
2. In several smaller amounts or as a regular fixed income
3. Combination of both.
Lifetime Mortgage Hartley Wintney
You can also ‘draw down’ money when you need it and move the arrangement to another house if you move (subject to lending criteria).

Safe as houses

We are proud members of the EQUITY RELEASE COUNCIL and regulated by the FCA (FINANCIAL CONDUCT AUTHORITY) who have regulated the equity release mortgage industry over the last 10 years to safeguard and protect consumers.
Mortgage Hartley Wintney
Inheritance Hartley Wintney
Tax Free Lump Sum Hartley Wintney


Key Benefits & Risks of Equity Release

Key Benefits of

Equity Release

Equity Release Hartley Wintney

Key Risks of

Equity Release

Mortgage Farnborough

There are 2 main Options




Reversion Mortgage Farnborough
With a Lifetime Mortgage you take out a mortgage secured on your property provided it is your main residence or a buy to let while retaining ownership. You can choose to ringfence some of the value of your property as an inheritance for your family. You can choose to make repayments or let the interest roll-up. The loan amount and any accrued interest is paid back when you die or when you move into long-term care.




Equity Release Farnborough

With a Reversion Mortgage you sell part or all of your home to a home reversion provider in return for a lump sum. You have the right to continue living in the property until you pass, rent free, but you have to agree to maintain and insure it. You can ring-fence a percentage of your property for later use, possibly for inheritance. The percentage you retain will always remain the same regardless of the change in property values, unless you decide to take further cash releases. At the end of the plan your property is sold and the sale proceeds are shared according to the remaining proportions of ownership.

What can you use Equity Release for?

By way of a tax free lump sum, monthly income or drawdown arrangement...

Most people who take out equity release use a lifetime mortgage. Usually you don’t have to make any repayments while you’re alive, interest ‘rolls up’ (unpaid interest is added to the loan). This means the debt can increase quite quickly over a period of time.

However, some lifetime mortgages do now offer you the option to pay all or some of the interest, and some let you pay off the interest and capital. In the same way ordinary mortgages vary from lender to lender, so do lifetime mortgages.

Oculus Equity Release Farnborough

Health Cost

Repayments Basingstoke

Payoff the Mortgage

Mortgage Providers Basingstoke

Home Improvements

Tax Free Lump Sum Basingstoke

Kids House Deposit

Mortgage Basingstoke

Travel and Adventure

Inheritance Basingstoke

Pay for their wedding

Tax Free Lump Sum Hartley Wintney

How we can help you with equity release?

and why it’s appealing?

We understand that ‘Equity Release’ is quite a new area in mortgages and there are benefits and risks to taking out a ‘lifetime mortgage’ (technical term) for equity release.

However, we are dedicated to helping people understand ‘how it works’ and explaining the benefits and risks.

“Property Is often a household’s largest asset, and it is vital more people understand its possibilities not only to provide an income in later life or pay off debts, but also to provide a living inheritance’ for family members and to help fund care needs.

Helping young people get on the housing ladder and paying for social care are issues that affect many of us and we look forward to helping our clients with clear, straightforward and unambiguous advice as to how equity release can play a part in helping to meet these challenges”

However, finding out how much equity is in your house and how much can be released depends on your circumstances and is best done face to face to get an accurate figure

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Personal Information Disclaimer:
You voluntarily choose to provide personal details to us via this website. Personal information will be treated as confidential by us and help in accordance with the Data Protecetion Act 2018. You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone.

Want to release funds to for that very special day?

Oculus Equity Release Hartley Wintney


Reversion Mortgage Farnborough


and why you can trust us!

We are a very friendly and approachable team and strive to give you ‘honest advice’, warts and all. There are always benefits and risks to any financial product and we will not sugar coat anything. We hope to be able to help you understand all the facts about equity release and whether it is right for you. What you can be reassured by is we are regulated by the FCA, are proud members of the Equity Release Council and use reputable mortgage lenders.
Lifetime Mortgage Farnborough

Alexandra Nicholas

Alex began her career in financial services with a high street bank in the retail sector. Having enjoyed a 16 year successful career she now specialises in delivering Equity Release advice to clients across the UK. Her objective is to offer a personal service by supporting clients with their needs and assisting them in meeting objectives.

Outside of work Alex enjoys spending time with her family and keeps active with her horses and dogs. When time prevails, she also plays tennis and attends the gym.

Equity Release Farnborough

David Bowden

David has over 40 years of experience in the financial services industry and after a brief period of retirement now specialises in Equity Release advice. He is a prizewinning Fellow of The Chartered Insurance Institute (FCII) and a Fellow of The Personal Finance Society (FPFS) David is married to Susan and has three sons.

He is an avid Salmon fisherman although sadly the emphasis seems to be on the fishing rather than the catching!