Our Services

Equity Release Cheltenham

5
Services
5
Equity Release
5
Equity Release Cheltenham

Equity Release Cheltenham

Equity Release Cheltenham – Making the Most of Your Home in Retirement

Cheltenham’s stunning Regency architecture, peaceful suburbs, and quality of life make it a dream location for retirement. If you’re over 55 and own your home, equity release may be an option worth exploring — giving you access to tax-free cash without having to downsize or sell.

Whether you want to supplement your income, help family with a deposit, or just enjoy greater financial freedom, we’re here to guide you through it safely and clearly.

How Equity Release Works

Equity release lets you unlock money from your property while continuing to live in it. It’s available to homeowners aged 55 or over and can be used for almost anything — from home improvements to holiday plans.

Two main products exist:

Lifetime Mortgage
You borrow against your home’s value but retain full ownership. Nothing is repaid until the property is sold, usually after death or moving into care.
Home Reversion Plan
You sell a share of your property to a provider for a lump sum or regular income and stay in the home rent-free for life.

Our Cheltenham advisers will help you decide if equity release is suitable and what type would benefit you most.

Why Homeowners in Cheltenham Are Releasing Equity

Cheltenham’s property market is strong, particularly in areas like Leckhampton, Pittville, Charlton Kings, and Hatherley. Homeowners often have large amounts of equity built up in their homes, which can be accessed without needing to move.

Popular reasons for equity release in Cheltenham include:

Improving retirement income
Paying off an interest-only mortgage
Gifting money to children
Renovating or futureproofing a property

Talk to a Local Specialist

Our local, FCA-regulated advisers provide honest, no-obligation advice tailored to your goals. We’re happy to meet in your home or speak with family to ensure the process is fully understood.

Areas We Cover in Cheltenham

We work across Cheltenham and surrounding towns and villages including:
Leckhampton, Charlton Kings, Bishops Cleeve, Prestbury, Hatherley, and Pittville.

Contact us today for a free consultation and find out how equity release could work for you in Cheltenham.

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