Truly independent financial advice

Equity Release

What is Equity Release?

If you are in your mid 50's or older you might have paid a substantial amount off your mortgage, or be close to doing so. The value of your home may have risen considerably since you bought it, but you might still be short of money to spend, invest or even pay your standard mortgage off.

Equity Release is a way of raising money from the value of your home.

When the “equity” value in a home is released on the householder trading down to a smaller property, the cash which is realised could be applied to provide additional income, to establish a trust fund, or to fund some major item of expenditure. But the same options can be available even without the property being sold, if the householder uses an “Equity Release” scheme.

Your home may be repossessed if you do not keep up repayments on your mortgage.




Estate Tax Planning

Such a scheme can present further tax-planning opportunities, because the value of the equity which is released is regarded as a debt against the estate of the householder which reduces the value of the estate for tax purposes. Consequently, equity release may be of value to clients who do not require additional income, but can regard this as an estate planning tool.

The Financial Conduct Authority does not regulate on Estate Planning.




Equity Release Plans

If you take out a Lifetime Mortgage, you can choose to receive your funds in a lump sum or in smaller, regular amounts.

We can look at all your options for releasing a part of the value of your home in return for a cash lump sum, or income to spend as you wish. There are advantages and disadvantages in both types of plans so it is important for you to find out as much as you can, to get qualified advice and, if possible, to talk it over with your family to ensure you choose the best plan to fit your needs.

Let us offer you a free initial consultation to discuss your financial objectives. Explain what we do and to obtain information about you that will allow us to establish if we can assist you and indeed that you want our assistance.

Equity release will reduce the value of your estate and can affect your eligibility for means tested benefits.






Kennet Financial Services

Our aim is to offer clients Financial Peace of Mind and Real Value for Money

About us

Independednt Financial Advisers (IFAs) based in Devizes, Wiltshire

Our philosophy is simply to guide our clients through the various stages in their lives where expert financial guidance is required from an experienced and trustworthy adviser.

Our aim is to help our clients achieve their financial objectives in a tax efficient and easily maintained manner with clear, uncomplicated solutions.

The reward is being able to work at achieving a long and happy association with clients where trust and transparency are paramount in the relationship.

Advisers David Kinch and Ben Trow have many years experience working with Individuals and Businesses and have built a reputation based on trust and the ability to explain what can be complicated subjects in easy to understand ways both face to face and in writing.

We use our experience to cut through the jargon unfortunately plaguing our Industry to provide options and solutions tailored to your needs.


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We serve people best who:

  • have little time and/or expertise to manage their financial affairs
  • are seeking expert financial advice and/or investment review
  • want help to formulate and maintain a clear financial plan and strategy to make the most of their hard earned money
  • need a “sounding board”
  • want the discipline of a regular review of their finances
  • are seeking a sense of control, peace of mind and financial freedom
  • regard service and a trusted relationship as key to working with advisers of any sort

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Our Specialist Areas

The Financial Services Authority does not regulate Taxation & Trust advice or Will writing.

Kennet Financial Services provides services like financial planning and financial advice, tax, personal pension advice as well as business advice. We also provide many other types of advice and private investing in Devizes, Wiltshire.

We offer a comprehensive financial planning service to include tax planning opportunities. We also provide a bespoke investment management service with an emphasis on strategic asset allocation.



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