Mortgages and equity release

Do you need mortgage advice?

Whether you are excited about owning your first home, remortgaging, investing to build a property portfolio or seeking to release equity; getting the right type of advice for a mortgage can give you real peace of mind. Our mortgage advisers understand the providers lending criteria, know the ins and outs of the application process and how to fit those to your unique needs. This ensures nothing gets held up and you get a mortgage that is right for you.

Require equity release advice?

Equity release is an option for property owners who wish to unlock some of the value tied up in their homes and release it as a cash sum. Equity release is an umbrella term used for several types of scheme – ranging from Home Reversion plans, Lifetime Mortgages and traditional re-mortgaging - each with options to explore and risks to understand.

Most people thinking about equity release are looking for an additional source of retirement income to fund their lifestyle, pay for one off items or support family members at a time of need. Releasing equity can be a complex decision, and our experts will help explore all relevant options such as drawing down on savings and investments, downsizing your property, letting the home or maximising your retirement income to help you make an informed decision on what is best for you.

Equity release is a high risk, lifetime decision so our experts will help explore alternative options such as drawing down on savings and investments, downsizing your property, letting the home or maximising your retirement income. Our specialist Financial Planners will help you get a clear picture of the benefits and potential downsides.

We take a ‘whole of market’ approach to our mortgage planning and equity release service, meaning we provide you with access to a comprehensive range of UK lenders. By tailoring our approach to your circumstances, we can find a deal to suit your financial situation.

Specialist mortgage advice

First-time buyers

Buying a property for the first time can be daunting. We aim to make the journey as smooth as possible by ensuring you are fully informed about the mortgage options specific to your financial circumstances. Our mortgage planning team will be on hand to discuss your requirements and answer any questions you may have along the way.

Buying a second home

Whether you’re looking to buy your dream holiday home or boost your income with a buy-to-let property, atomos offers a range of mortgage options to help you get started. We provide expert financial advice about the mortgage deals best suited to your needs and will help you understand your legal and tax responsibilities if you are becoming a landlord.

Moving house or remortgaging

Moving house can be a stressful time, and we’re here to make the transition as smooth as possible. We can help you find a mortgage at competitive rates or help you transfer your current mortgage to a new property. We can also guide you through the process of remortgaging an existing property and put in place a loan that’s right for you.

Equity release

atomos' mortgage advice is not just limited to helping you purchase a property. We have a specialist team of wealth planners dedicated to helping people release equity from their home.

Our equity release clients are often looking for an additional source of retirement income. They are ‘asset rich’ individuals in terms of owning their own home, but ‘cash poor’ in terms of the money they have access to. Whatever your circumstances, we can help you realign your finances to unlock value from your home.