Mortgages - What are 'Equity Release' mortgages?

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IVA's

The IVA Guide
Money Advice Direct has put together an IVA Guide based on the enquiries and questions that we receive at our helpline offices.

In the guide we cover such subjects as IVA Approval, early settlment of your IVA, missed IVA payments, IVA failure, additional debt claims and much more.
[click here for IVA Guide]

What is an IVA?
The IVA is an extremely powerful tool enabling you to clear your debt and return to a clean financial bill of health. Visit Money Advice Direct's Guide to Individual Voluntary Arrangements (IVAs).
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BANKRUPTCY

Bankruptcy is an option that often has to be considered when an individual cannot pay their debts as they fall due. A first time bankrupt with debts will generally receive their discharge one year after the date of the bankruptcy order (there is the possibility that in some cases the bankruptcy discharge period will be less than one year).
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CREDIT REPAIR

Everybody has a credit file, maintained by a credit reference agency. Many people have adverse credit details on their files, such as defaults, bad payment history, County Court Judgments. Learn how to repair your CCJs & Defaults.
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DEBT ADVICE FACTSHEETS

We have commisioned a large number of useful debt and money advice factsheets. These factsheets are freely available for viewing online or downloading.

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DANGER

Due to the tremendous demand for debt consolidation services the United Kingdom is now overloaded with debt management companies that contain misleading information. [more...]

MIS-SOLD PPI HELP

Money Advice Direct work alongside highly skilled claims management advisors with the sole aim to win compensation for members of the public who have been missold PPI (Payment Protection Insurance). The chances are that if you have taken out a loan, credit card, car finance or mortgage you may have also taken out a PPI policy. We can help you claim back your PPI premiums plus interest on missold PPI policies.

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ABOUT THE MORTGAGE YOU REQUIRE
Amount required:
Deposit available:
Term of loan:	years
Type of loan:
Purpose of loan:
Do you have any County Court Judgements?:
Do you have any defaults registered against you?:
If you have any defaults or CCJ's please include details of date, amount, and if paid off:
Please give us some information about yourself
ABOUT YOU
Title:
Your name:	*
Date of Birth	dd/mm/yy
Street address 1:
Street address 2:
City / Town:
Postcode:
Contact number:	*
Email address:
When/where/how is the best way to contact you:
Please give us some information about your partner (skip this section if it doesn't apply)
ABOUT YOUR PARTNER
Title:
Partner's name:
Date of Birth:
Street address 1:
Street address 2:
City / Town:
Postcode:
Telephone number:
Email address:
When/where/how is the best way to contact you:
Please give us some information about your employment
ABOUT YOUR EMPLOYMENT
Occupation:
Income (before deductions):	per annum
Period of employment:	years/months
Employers name:
If self-employed can you supply any of the following:	Business Headed paper Accountants letter Accounts
Please give us some information about your partners employment (if applicable)
ABOUT YOUR PARTNER'S EMPLOYMENT
Occupation:
Income (before deductions):	per annum
Period of employment:	years/months
Employers name:
If self-employed can you supply any of the following:	Business Headed paper Accountants letter Accounts
Please tell us about the property you wish to finance
ABOUT THE PROPERTY YOU WISH TO FINANCE
Type of property:
Yype of construction:
freehold or leasehold:
If leasehold, years remaining:
If a flat, how many floors in building?:
Is it a council purchase or ex local authority?:
(if yes) Discount given:
(if yes to above) Purchase price:
Estimated value:
If remortgage or loan the current value of property:
Date purchased:
Please tell us about your current home and mortgage
ABOUT YOUR CURRENT HOME & MORTGAGE
Type of property:
How long at current address:
Purchase price:
Name and address of building society/bank or current landlord::
Roll/Account number:
Balance outstanding:
Monthly payment/rent:
Current arrears:
Number of missed payments in last 12 months:
Please tell us how you found us
HOW DID YOU HEAR OF US?
Existing client:
Professional contact:
Internet search:
Other:
	I authorise you to pass my information to FSA regulated third parties to enable best advice guidelines to be followed
	I accept the privacy policy. *
Once you have completed the form, press Send to submit it to us so that we can conduct a Personal Credit Review. Alternatively, press Reset to clear everything. Please ensure you have given us all the information we require before submitting your enquiry.

Your home is at risk if you do not keep up repayments on a mortgage or other loan secured on it be sure that you can afford the repayments before entering into a credit agreement. Loans are only available to persons over 18 years of age. Written quotations are available on request. All loans are subject to credit status and property valuation
A consultant will contact you within 48 hours.

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What are 'Equity Release' mortgages?

To find out more about 'Equity Release' mortgages please complete the on-line form below

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