tel: 01173 823 823
Contact@leafifa.co.uk
Trusted, independent, and plain-English advice to help you access tax-free cash while staying in the home you love.
Tailored guidance from an adviser who knows the Bristol market.
We offer meetings in the evenings and weekends, as well as 9 - 5.
We offer face-to-face meetings in the comfort of your own Bristol home.
We are Independent Financial Advisers as well as specialist Equity Release Advisers
No "nasty surprises." We charge no fee for plans over £50,000 and a clear fixed fee of £699 for plans below, so you know exactly where you stand.
Modern equity release plans offer a high degree of flexibility and security, allowing you to tailor the features to your specific lifestyle and long-term goals. These core safeguards ensure you remain in control of both your home and your financial freedom.
To ensure you can still leave a legacy, many plans allow you to "ring-fence" a specific percentage of your home’s future value. This protected portion remains untouched by the equity release provider, ensuring it passes directly to your beneficiaries regardless of the final loan balance.
As members of the Equity Release Council, all our plans include a guarantee that you will never owe more than the sale value of your home. Even if property prices fall, the debt is considered fully settled upon sale, ensuring your estate and heirs are never held liable for a shortfall.
You have total control over your monthly budget. You can choose to make voluntary interest payments to maintain the loan balance, or make no monthly payments at all. If you choose the latter, the interest is simply added to the loan and settled only when the property is eventually sold.
Unlike traditional mortgages, your eligibility is based on your age and property value rather than your salary. Because there is no mandatory requirement to make monthly repayments, equity release is a highly accessible option for retirees with significant property wealth but modest liquid income.
Your plan is designed to move with you. If you decide to relocate or downsize in the future, you can typically transfer your equity release to a new property, provided it meets the lender’s standard criteria.
The cash you release is 100% tax-free and can be used for any purpose. Whether you are clearing an existing mortgage, funding home improvements, gifting a deposit to family, or boosting your retirement lifestyle, the choice is entirely yours.
You can take your funds as a single lump sum or via a "drawdown" facility. With drawdown, you take a smaller initial amount and keep a reserve for the future; a major benefit of this is that you only pay interest on the money you have actually withdrawn.
Contact@leafifa.co.uk
01173 823 823
07838 019 234
Equity release is a way for homeowners aged 55 and over to unlock and use a portion of the wealth tied up in their property without the need to move home.
Most modern plans take the form of a Lifetime Mortgage, which is essentially a long-term loan secured against your house. Unlike a traditional mortgage, there are typically no monthly repayments; instead, the loan and any built up interest is paid only when you pass away or move into long-term care. This provides a flexible way to boost your retirement income, clear existing debts, or fund home improvements, or otherwise improve the quality of your day to day life while you continue to live in and own your home.
As Bristol-based specialists, our Equity Release Advice service is designed to simplify this process and ensure it integrates perfectly with your wider financial goals. Because we are both Independent Financial Advisers and Equity Release specialists, we don’t just look at the loan—we look at your whole financial picture, including tax and pensions. We offer a free, no-obligation consultation in the comfort of your own home to help you decide if it’s truly the right path for you. To keep our service accessible and transparent, we charge a straightforward fixed fee of just £699, which is waived entirely for plans over £50,000.
Andrew Rogers,
Equity Release Adviser,
Leaf Financial Advisers
Andrew Rogers,
Equity Release Specialist
Charted Independent Financial Adviser
Chartered Accountant
Independent Mortgage Broker
Defined Benefit Pension Specialist
A free, no-obligation consultation is a sensible first step if you’re considering equity release. Equity release has changed a lot in recent years, with more flexible product features and stronger safeguards than many people realise—yet misconceptions still linger. A consultation lets you cut through the myths and get a clear, plain-English explanation of how modern equity release works, what options are available, and whether it genuinely fits your wider retirement plans.
The main benefit is clarity and confidence before you commit to anything. You can explore how much you may be able to release, the difference between a lump sum and a drawdown facility, and the longer-term impact on your estate and future flexibility (including moving home). It’s also an opportunity to check for knock-on effects (such as means-tested benefits or tax considerations), compare alternatives like downsizing or a retirement interest-only mortgage, and understand fees, timescales, and the step-by-step process—so you can make a decision based on facts rather than outdated assumptions.
Contact@leafifa.co.uk
01173 823 823
07838 019 234
At Leaf Financial Advisers, we keep our pricing simple and transparent with a single 1 off fee for Advice.
We do not charge if the amount that you initially release is £50,000 or higher.
We charge a simple one off fee of £699 for plans lower than £50,000.
We do not charge anything for an initial consultation to explain equity release and how it may work for you.
Contact@leafifa.co.uk
01173 823 823
07838 019 234