Our Services

Equity Release Cambridge

5
Services
5
Equity Release
5
Equity Release Cambridge

Equity Release Cambridge

Equity Release Cambridge – Helping You Plan for a Secure Future

Cambridge is one of the UK’s most historic and high-value cities, with a strong housing market and a growing population of homeowners aged 55 and over. With rising living costs and pensions not always stretching as far as hoped, many are exploring equity release as a practical way to access the wealth tied up in their homes.

Whether you’re looking to make your retirement more comfortable, help family financially, or simply enjoy life with greater flexibility, equity release can help — and our local advisers are here to guide you through the process.

What Is Equity Release and How Does It Work?

Equity release is a financial solution designed for homeowners aged 55 and over. It lets you access part of your home’s value without having to move or sell your property. The funds you receive are tax-free and can be taken as a lump sum or in smaller amounts over time.

There are two main types of equity release:

Lifetime Mortgage
A loan secured against your property. You keep full ownership, and the loan (plus interest) is repaid when your home is sold, usually after you pass away or move into long-term care.
Home Reversion Plan
You sell part or all of your property to a provider in exchange for a lump sum or regular income. You live in your home rent-free for life, and the provider receives their share when the property is sold.

We’ll help you understand the pros, cons, and which route — if any — is best for your situation.

Why Equity Release Is Popular in Cambridge

Cambridge has one of the strongest property markets in the East of England, with average house prices significantly above the national average. Areas such as Trumpington, Cherry Hinton, and Newnham have seen steady growth, meaning many homeowners are sitting on valuable equity.

Common reasons homeowners in Cambridge release equity include:

Topping up retirement income
Supporting children with house deposits
Funding travel or home renovations
Paying off existing debts or mortgages

Speak to a Local Cambridge Adviser

Our FCA-regulated advisers provide no-pressure advice and take time to understand your goals. We offer free consultations and can meet at your home or speak with you and your family to ensure you feel completely confident moving forward.

Areas We Cover in Cambridge

We support homeowners across the city and surrounding areas, including:
Trumpington, Cherry Hinton, Girton, Newnham, Chesterton, Arbury, and beyond.

Get in touch today to arrange your free consultation and explore equity release in Cambridge.

If you still have any reservations or questions about equity release / later life lending then we’d love to speak with you. Get in touch using the details below to speak with a qualified advisor or arrange a meeting.

Our Services.

MORTGAGES

If you are looking to buy a home, then we can review your options.

INSURANCE

We can provide you with advice on all types of insurance.

EQUITY RELEASE

Clear, simple advice that is suitable for you & your circumstances.

Jane C

09:09 25 Jun 24

Great rate, very helpful team (especially Ian) and very easy to deal with. I'd recommend them to anyone!

David G

18:42 09 Apr 24

Great experience using CFS for our mortgage as part of our house move. The team were friendly and professional and really helped us to get the best deal. Very pleased we used them as they found us better deals than we would ourselves. Would highly recommend.

Royston Dsouza

08:52 02 Apr 24

The process was quick and hassle free.

Laura Robertson

10:27 06 Jan 24

Ian & Peter were absolutely imperative to our property purchase last year. A whole year and 3 different properties but they were patient, professional and highly informative throughout. Always on hand when needed and incredibly reasonable pricing, I can’t recommend them enough.

Hannah Chappell-Stokes

08:09 02 Jan 24

We had the privilege of working with Ian and Matthew, for both our mortgage and income protection advice. What a service they both offered. Super helpful and efficient and made the whole process very very easy. We would highly recommend!

Charlotte Walker

19:53 18 Dec 23

Lucie helped me and my partner with our first mortgage and insurances. I can honestly say dealing with Lucie has been a pleasure and stress free! All the questions I had with us being a first time buyer, Lucie was always there to lend a helping hand and happy to help. I would 100% recommend Lucie at CFS to anyone. Thank you once again ⭐️

Emily Fieldhouse

08:04 25 Oct 23

We've had a great experience with CFS, Lucie has been fantastic with helping us find a mortgage, especially in the current climate and on a new build. Lucie has made the mortgage application so easy and effortless, she has also helped us with our home insurance which again I wasn't expecting but another great service also. Would highly recommend CFS, thank you for your help! Also thank you to Matt for helping us with our Life Insurance, I wouldn't have been able to find one without him due to our medical conditions, again made the process so easy and effortless. Thanks to you all!

Michael Carter (Mike)

09:04 28 Aug 23

Lucie was excellent from start to finish, talked me through all stages of the process and supported on the issues around first time buying and new build! Arranged a mortgage and a great deal on insurance. Communication was fantastic throughout, a pleasure to work with, thanks again!

Katie Taylor

20:30 01 Mar 23

I cannot recommend Central Financial Services enough. Peter and Ian have advised my husband and I on our finances for over 8 years and they never let us down. Ian is very efficient and highly experienced too. Peter is professional and personable. I have previously recommended Central Financial Services to family, as well as friends, who have all had the exact same, seamless, efficient and excellent service and results.

Contact Us

For quick, simple answers to your questions, speak to one of our friendly advisors.

Get in Touch