Equity Release Mortgages Derby & Derbyshire | Mortgage and Finance Arena

Access Tax-Free Cash from Your Home with a Trusted Local Equity Release Broker

Are you aged 55 or over and looking to release money from your home in Derby or Derbyshire? At Mortgage and Finance Arena (based opposite Pride Park Stadium), we specialise in Lifetime Mortgages, the most popular form of equity release, helping homeowners unlock the value of their property without needing to move.

As an experienced equity release mortgage broker in Derby, we provide expert, regulated advice tailored to your needs—whether you’re planning for retirement, funding home improvements, or helping family.

What is Equity Release?

Equity release allows you to access a tax-free lump sum or regular withdrawals from the equity in your home, while you continue living there. The most common option is a Lifetime Mortgage, which lets you retain full ownership of your property.

The loan, plus any interest, is typically repaid when the last homeowner dies or moves into long-term care. It’s a flexible solution designed to give you financial freedom in later life.

Why Homeowners in Derbyshire Choose Equity Release

Many of our clients across Derby, Belper, Ashbourne, Ilkeston, Chesterfield, and beyond choose equity release to:

Supplement retirement income
Clear an existing mortgage or debts
Help children or grandchildren with property deposits
Fund renovations or adapt their home for later life
Enjoy holidays or long-term lifestyle goals

Lifetime Mortgages – Simple & Flexible Equity Release

At Mortgage and Finance Arena, we work exclusively with Lifetime Mortgages, the most straightforward and flexible type of equity release. Key features include:

✅ Keep full ownership of your home
✅ Choose between a lump sum or drawdown facility
✅ Make optional repayments to reduce interest
✅ No monthly payments required (unless you choose to)
✅ No negative equity guarantee (you’ll never owe more than your home’s value)

We’ll help you compare the latest Lifetime Mortgage deals from across the whole market to find the best fit for your needs.

Your Local Equity Release Specialist in Derby

As a Derby-based, FCA-regulated mortgage broker, we offer:

✅ Independent, whole-of-market advice
✅ Free initial consultation – no obligation
✅ Local knowledge of the Derbyshire property market
✅ Face-to-face or remote appointments at your convenience
✅ Clear, jargon-free guidance from start to finish

Whether you’re in Allestree, Mickleover, Littleover, Alvaston, Spondon, or nearby, we’re here to help you make informed, confident decisions.

Is Equity Release Right for You?

Equity release isn’t suitable for everyone, and it’s important to understand both the benefits and the long-term impact on your estate. That’s why we take the time to understand your circumstances and offer personalised advice with complete transparency.

We also encourage involving family in the decision, and we’re happy to offer joint consultations if needed.

Start Your Equity Release Journey Today

If you’re considering equity release in Derby or across Derbyshire, speak to our local team of experts today. We’ll explain your options and support you every step of the way.

📞 Call us today on tel: 01332 300300
📩 Request your free consultation
🏠 Serving Derby, Derbyshire & the East Midlands

Equity Release Mortgage

An Equity Release Mortgage is the most popular equity release option. An Equity Release Mortgage is a loan that is paid as a tax-free lump sum and is secured against your home, meaning you still retain ownership.

You will eventually need to pay back this loan, with interest, but it won’t be repayable until your property is sold when you pass away or go into long term care. If you get a Equity Release Mortgage as a couple, this is when the second applicant reaches these events.

An Equity Release Mortgage is more flexible but bear in mind the interest will accrue, you can clear some interest monthly or at a time of your choosing, to decrease the final cost. Anything value left from the sale of your property is passed down to your beneficiaries.

To note: A lifetime mortgage/Equity Release Mortgage will be secured against your home.

Equity Release Mortgages are available to people over 55 years old and the percentage that can be released is based on:

It starts right here…

We love to hear from you, give us a call, or fill in our contact form so we can see where you’re at. The more details the better!

One of our advisers will then find out about what you’re looking to do, discuss your options and answer any questions you may have.

Your adviser will search through thousands of lenders.

Your adviser will find the best option for you and help you arrange things.

Honest opinions from people like you

There simply are no superlatives sufficient to thank you for your fantastic service! I would highly recommend mortgage and finance area to any of my friends or family looking for a mortgage. You’ve made our dreams come true! The team go above and beyond to make everything so easy.

The advice and financial services I have recently had from Charlotte at Morgage And Finance Ltd in Derby has been first class. Very professional, helpful, efficient and supportive. I wholeheartedly recommend them.

Suzanne and Charlotte were amazing and made the process of buying our first home completely stress-free for us. They were both on hand if we ever had any problems/questions and always responded with knowledgeable and completely honest answers. I would highly recommend.

If I could rate this company more than 5 stars I would. I cannot fault the service and support my partner and I have received whilst getting our first mortgage together. Ian and Megan have been amazing, making the process completely stress free. They were both on hand if we ever had any questions. I would highly recommend. Thank you!

There simply are no superlatives sufficient to thank you for your fantastic service! I would highly recommend mortgage and finance arena to any of my friends or family looking for a mortgage. You’ve made our dreams come true! The team go above and beyond to make everything so easy.