We take great pleasure

Helping you achieve your goals.

Here at Marble Financial Planning we take great pleasure in helping you to release money in order to achieve your goals. Maybe you have outstanding debt to clear, perhaps you wish to help family or even just to spoil yourselves after years of working hard. Whatever it is, we love to help.

We are a local, family run firm based in Whitstable and working with customers in Whitstable, Herne Bay and Thanet. Our main objective is to simplify financial advice, ensuring that it is available to all. All of our advice is given face to face either at our office, your home or anywhere else of your choosing to ensure that every aspect of the advice is explained and understood so that you can come to the right decision, for you.

All initial meetings and research are at our own cost to ensure that you can explore the possibility of Equity Release without any concerns of cost. If it turns out not to be the right thing for you then you have lost nothing but a small amount of your time.

We welcome family involvement, second, third or even fourth opinions should you wish as any financial decision taken, large or small has to be right and all aspects have to be taken into consideration.

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Frequently Asked Questions.

We do not offer advice to clients that we would not offer to ourselves or our families so you can be sure of a professional, yet friendly and relaxed service during the whole process. We make things easy and straightforward with no pressure at all.

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

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Quite simply, equity release schemes enable you to take cash from the equity built up in your property.

They are designed to help homeowners who would otherwise struggle to take on a regular mortgage and the associated monthly payments to enjoy the value of their home in whatever they wish. The minimum age is typically 55 on lifetime mortgages and 60 on reversion plans.

Lifetime mortgages are the most common type of scheme. These enable you to take out a loan on your property in return for a lump sum, an income or a combination of the two. Importantly, you continue to own the property and unless you wish to, you will not make monthly repayments and the debt will be repaid only when you die or go into long-term care. If the interest is not paid throughout the term of the policy then it will accumulate and the initial borrowing amount will increase.

The most popular sort of lifetime mortgage is the “drawdown” version, designed for those who don’t need a large cash lump sum at the outset. Instead, a pot of money is set aside for you to draw from, as and when you need it, meaning that you only pay interest on the cash you release.

Home reversion schemes account for a tiny part of the market. With these, you sell all, or part, of your home to a company in return for a lump sum, or regular income, and the right to remain living there. When the property is eventually sold, you or your estate only receive the percentage of the property’s value that you still own. If, for example, you have sold 60%, you will only keep 40% of the final sale price.

The amount you can raise through equity release depends on a number of factors including the value of your property and how old you are. If there are two of you taking out the plan, it will be based on the age of the younger.

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We always offer free initial, no obligation consultations

Unit 4, Markerstudy Business Park,Whitstable, Kent, CT5 3FD