With research showing 61% of UK homeowners are interested in releasing equity from their property, clear and transparent advice has never been more important.

Explore flexible mortgage options for First-Time Buyers in 2025. Discover how Penn Financial can help First-Time Buyers get on the property ladder.

If you are a first-time buyer and want to explore whether a delayed start mortgage could help you get on the property ladder with more confidence, reach out to Penn Financial. Our advisers can help you understand your options in plain English and, more importantly, whether this type of mortgage fits your unique situation. 

Could borrowing seven times your income for a mortgage be right for you? Learn the risks and benefits of high-income multiple loans.

Life events like illness, separation, new relationships, or changing goals can all impact your mortgage needs, your family and potential beneficiaries. 

Typically, with a Home Reversion Plan, the homeowner is selling their interest in the property, and so the loan-to-value can be 75% or even more. However, with a Lifetime Mortgage, given that the borrower is rolling up the interest, the amount of cash available at outset is limited, with a typical maximum often being just over 50%. 

The term “Equity Release” is really an umbrella term as it includes both Lifetime Mortgages, which make up the overwhelming majority of business, and Home Reversion Plans, which although representing a very small part of Equity Release business, still provide a crucial lifeline for some. 

If your mortgage rate is due to expire, this is for you.  

Be inspired by Sylvia's story. This is how thoughtful financial planning can create a lasting impact on your life and those around you.