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The Free Money Advice Service has been setup by the government to provide impartial advice on most financial matters but is particularly good on Equity Release. 

Equity Release is a minefield but a necessary minefield! Get it right and older people can raise money on their property - potentially allowing them to afford to stay in their homes for the rest of their lives. Get it wrong and they can accumulate an enormous debt and effectively disinherit their children as the finance company claims their home in order to repay the accumulated loan when they die. The link below may help you decide whether this might be a useful route to go down. However just as importantly consider using a financial adviser.
This is a simple AgeUK Equity Release calculator which will help you find out how much an equity release loan would allow you to raise on your house.

Independent Financial Advisers - IFAs Halifax

David S Lowe Financial Management

Moorside House, Old Lindley Rd, Holywell Green, Halifax HX4 9DF, UK – 01422 378642

Got us the best Mortgage, always available to assist throughout the process. Highly recommended. Dean O' Meara

Eastwood Financial Services Ltd

Pennine House, Lowfields Close, Lowfields Business Park, Elland HX5 9DA, UK – 01422 377737

The Financial Adviser School

Independence House, Holly Bank Rd, Huddersfield HD3 3HN, UK – 0845 602 2050

Click for excellent Money Saving Expert advice on choosing an Independent Financial Adviser (or IFA) around Halifax.
This is a revolution! We are used to going to a bank with a business plan and been lent money on very high rates of interest - but only under increasingly demanding conditions. Crowd funding is the public investing directly to the businesses - at all stages of their development. Crucially there is a huge range of projects and Crowd Funders. You could do worse than just read and then click some of the WiKi link below.

Crowd Funding and Business Loans

We could not find any Crowd Funding or Business Loans around your location. Please click below to see full results from Google.

Read current articles in MoneyWeek magazine.

We could not find any banks around your location. Please click below to see full results from Google.

Banks

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Building Societies

We could not find any Building Societies around your location. Please click below to see full results from Google.

Mortgage Brokers

The Mortgage Inn

Innovations House, 82 Southgate, Elland, Halifax HX5 0EP, UK – 01422 251011

Highly recommend this team, they are professional and a pleasure to do business with. I will be going back in 22 months for more mortgage advice. Very very happy with my outcome.

Used Graham and Petra for years...... first class people, first class business, first class service..... personal and professional. Genuinely cannot recimmmed the Mortgage Inn enough!

KIS financial solutions

111 Bramston St, Brighouse HD6 3AQ, UK – 01484 605931

I dealt with Ian recently when he helped me to arrange a remortgate on my property. He was very knowledgeable and was helpful and friendly. I would definitely use his services again.

We used Ian when we bought our house and for sorting additional lending. Very professional and highly recommended.

Direct Mortgage Solutions

98 Elland Rd, Brighouse HD6 2QR, UK – 07774 063386

Mortgage Brokers - Key Questions

How much do mortgage brokers charge?
Typically, a broker will actually be paid around 0.35% of the mortgage loan as commission from your the lender. So, for every £100,000 borrowed, they would receive £700 in commission - if they are on commission. Many will therefore not charge for their advise if they are. However they maybe tied to specific companies and so may not be able to offer the best deal. Start with your bank. They will know you personally and financially - hopefully! They will tell you about their mortgages and you can use them as a base line to compare products found by mortgage brokers around Halifax.

Is it better to get mortgage from bank or broker?
This question will be answered by this initial mortgage research. You may hit it lucky and find that your bank can give you the best deal - but do check with a mortgage broker first.  

How do I find a good mortgage broker?
Don't write off the financial comparison websites. Moneysupermarket is full of good advise on how to find mortgage brokers and may even be able to point you around St Patricks Catholic Primary School that they particularly recommend - although will be on commission themselves! Click the link below to go the the right part of Moneysupermarket.

Are mortgage brokers worth it?
Probably yes and we are not on commission! You are free to the these ones a ring - it could really worth it.

Mortgages

Hassle Free Financial Services

20 Norwood Park, Huddersfield HD2 2DU, UK – 07572 611839

Keighley Associates

16 Blackthorn Dr, Huddersfield HD3 3SB, UK

Mortgage Specialists

3 Crescent Rd, Huddersfield HD2 2TF, UK – 01484 961291

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