Lifetime mortgages help you release equity so that you can enjoy life now.


We are a friendly family firm looking to provide the financial services that provide the best value for our local clients.

Equity Release Mortgage Advice from Best 4 U

Best 4 U of Kettering Northamptonshire provide the Best Equity Release Mortgage Advice and Support for people who want/need to finance big changes in their lives.

Equity Release Mortgages in the past have had bad press, mainly because they were not regulated and unsuitable schemes were sold to people leaving them in financial difficulty, they are now regulated under the FSA (Financial Services Authority) and all lenders have to be part of the SHIP (Safe Home Income Plans) where as part of the code of conduct all plans must carry a ‘No Negative Equity Guarantee’

Equity Release Mortgages can be an excellent way to finance retirement plans or create some extra cash to maintain or improve lifestyle.

As an independent firm we have historically advised and arranged Equity Release Mortgages for people across the UK. Our advice is impartial and honest. Our success is built on listening to clients needs and finding the best product for you – and if an equity release is not suitable, then we can look at other options.

Is Equity Release for you?

Typically if you are aged over 55 and your property is valued at over £70k, is a freehold or long leasehold, then there is a chance there is a product out there for you. Our recommended products apply to mainland England, Isle of Wight, Scotland or Wales.

You can borrow a one off lump sum or several cash withdrawals as and when you are needed or take the cash as income monthly.

You would be responsible for legal fees and all others fees, some are upfront, some can be added and some are free, they are always listed in the key facts illustrations (KFI) which you will receive after our first meeting and before our second meeting to give you adequate time to decide if an equity release mortgage is for you.

Equity Release Mortgages

Two Types of Equity Release Mortgage Schemes…

  • LIFETIME MORTGAGE – This scheme involves a mortgage secured on your home without having an expiry date, normally at a fixed rate of interest for your peace of mind. You can choose to pay the interest each month or ‘roll up’ the interest. The mortgage is then repaid when your house is sold or you move into long term care or pass away.
  • HOME REVERSION – This plan enables you to sell all or part of your home to a reversion company or an individual. You would no longer own your home (or only own a part of it), but you could continue to live there as a tenant of the reversion company or the individual purchaser. The home would be sold when you die or move out of it. (WE ARE NOT AUTHORISED TO ADVISE ON HOME REVERSION, BUT IF YOU THINK IT SUITS YOU, WE CAN REFER YOU TO ANOTHER BROKER WHO IS AUTHORISED IN HOME REVERSION SCHEMES)

Reasons for Equity Release:

  • Poor pension income, raise lump sum or income, though could affect benefits.
  • Re-mortgage/repay debt to stop monthly payments.
  • Delay downsizing or wanting to stay in family home.
  • Helping family or releasing inheritance early.
  • Maintaining standard of living.
  • Power of attorney cases – maintain long term care.
  • Winding up a business.
  • Minimizing inheritance tax liability.

If your scenario doesn’t fit any of these, then don’t worry, just give us a call and tell us what it is your looking to do and we can give you an idea of whether its feasible or not.

Best 4 U Equity Release Advice Northamptonshire

Best 4 U is a family run business consisting of father daughter advisors with 20 years experience, established in 1998. We are a broker which means that we search the market for the best equity release (lifetime) mortgage for you according to the details you provide to us during our first meeting/contact.

We have access to all the equity release lenders and some exclusive deals like free valuations. Over the past 12 years we have built up very good relationships with these lenders and can obtain quotes for many different reasons.

We are also able to arrange your associated insurances like buildings & contents ensuring we get you the best deal because we have access to a wide variety of companies.

We also have unique relationships with other third parties – Isis Legal who have 2 female advisors that can come and visit you in your own home and are experienced in equity release to process the conveyancing side for you. Along with other solicitors in the area. And if you need any pension advice or wish to raise money to turn into income and therefore would require investment advice, we also use an independent financial adviser – website link.

We do charge a fee for our services, please see our IDD document 1 adnd document 2, it is payable upon completion and for this you get 100% commitment and we do all the work for you so you have nothing to worry about.

If we don’t deliver we don’t get paid!

Links of Interest

ISIS LEGAL: We recommend Sarah Franklin or Sarah Spindley from Isis Legal who we trust to represent our clients

CHG – Nigel Love