{"id":4620,"date":"2016-06-19T16:54:45","date_gmt":"2016-06-19T15:54:45","guid":{"rendered":"http:\/\/www.sbwm.uk\/v3\/services\/inheritance-tax-planning-copy\/"},"modified":"2026-08-06T17:12:11","modified_gmt":"2026-08-06T16:12:11","slug":"mortgage-solutions-and-equity-release","status":"publish","type":"page","link":"https:\/\/sbwm.uk\/v3\/services\/mortgage-solutions-and-equity-release\/","title":{"rendered":"Mortgage Solutions (and Equity Release)"},"content":{"rendered":"<!--themify_builder_content-->\n<div id=\"themify_builder_content-4620\" data-postid=\"4620\" class=\"themify_builder_content themify_builder_content-4620 themify_builder tf_clear\">\n                    <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_oy4i966 tb_first tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_2 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col4-3 tb_1b73980 first\">\n                    <!-- module feature -->\n<div  class=\"module module-feature tb_0a2v840 with-chart layout-icon-left size-medium \" data-layout-mobile=\"icon-top\" data-layout-desktop=\"icon-left\" data-lazy=\"1\">\n        <div class=\"module-feature-image tf_textc tf_rel\">\n                            <span class=\"module-feature-chart-html5 tf_box tf_rel tf_inline_b\">\n                                    <svg class=\"tf_abs tf_w tf_h\">\n                    <circle class=\"tb_feature_fill\" r=\"calc(50% - 2.00px)\" cx=\"50%\" cy=\"50%\" stroke-width=\"4\"\/>\n                    <circle class=\"tb_feature_stroke\" r=\"calc(50% - 2.00px)\" cx=\"50%\" cy=\"50%\" stroke=\"#13c0e1\" stroke-width=\"4\" data-progress=\"100\" stroke-dasharray=\"0,10000\"\/>\n                                        <\/svg>\n                                <span class=\"chart-html5-circle tf_w tf_h\">\n                    <img decoding=\"async\" data-src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic6-150x150.jpg\" width=\"150\" height=\"150\" class=\"wp-post-image wp-image-4441 lazyload\" title=\"pic6\" style=\"--smush-placeholder-width: 150px; --smush-placeholder-aspect-ratio: 150\/150;width:calc(100% - 8px);height:calc(100% - 8px)\" alt=\"pic6\" data-srcset=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic6.jpg 150w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic6-180x180.jpg 180w\" data-sizes=\"(max-width: 150px) 100vw, 150px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" \/>                                    <\/span>\n\n                \n            <\/span>\n                <\/div>\n    <div class=\"module-feature-content tf_textc\">\n                <div class=\"tb_text_wrap\">\n            <h1>Mortgage Solutions<br \/><em>(and Equity Release)<\/em><\/h1>\n<h3>Property is likely to be the biggest financial commitment that you ever make. Mortgages can become a minefield unless you seek whole of market advice so you are not drawn into a deal that means more to the lender than it does to you. Equity release is another area that should only be considered with the advice of someone who has no strings attached.\u00a0<\/h3>\n<h5><strong><em>Your home may be repossessed if you do not keep up repayments on your mortgage or other loans secured on it.\u00a0<\/em><\/strong><\/h5>\n<h5><strong><em>Equity Release \u2013 We will refer any enquires to a specialist equity release adviser who will advise you of the arrangement fees for this type of business.<\/em><\/strong><\/h5>\n<h5><strong><em>Equity Release will reduce the value of your estate and can affect your eligibility for means tested benefits.<\/em><\/strong><\/h5>        <\/div>\n    <\/div>\n<\/div>\n<!-- \/module feature -->\n        <\/div>\n                    <div  data-lazy=\"1\" class=\"module_column tb-column col4-1 tb_og8f008 last\">\n                    <!-- module template_part -->\n<div  class=\"module module-layout-part tb_lb06474 \">\n    <div class=\"tb_layout_part_wrap tf_w\"><!--themify_builder_content-->\n    <div  class=\"themify_builder_content themify_builder_content-6957 themify_builder not_editable_builder in_the_loop\" data-postid=\"6957\">\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_4r04888 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_v766004 first\">\n                    <!-- module callout -->\n<div  class=\"module ui module-callout tb_dq3v636 button-bottom-center transparent  rounded\" data-lazy=\"1\">\n    \n    <div class=\"callout-inner\">\n    <div class=\"callout-content tf_left\">\n        <h3 class=\"callout-heading\"><strong>Interested in any <p \/> of these topics!<\/strong><\/h3>\n        <div class=\"tb_text_wrap\">\n            For an informal, no obligation, chat with a consultant please call <h5> <strong> <span class=\"shortcode themify-icon \"><i class=\"themify-icon-icon\" ><svg  class=\"tf_fa tf-fas-phone\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" aria-hidden=\"true\"><use href=\"#tf-fas-phone\" xlink:href=\"#tf-fas-phone\"><\/use><\/svg><\/i><\/span>\u00a001689 667405<\/strong> <\/h5> or email <p><strong><a href=\"mailto:enquiries@sbwm.uk\">enquiries@sbwm.uk<\/a><\/strong> <\/p>        <\/div>\n    <\/div>\n    <!-- \/callout-content -->\n        <\/div>\n    <!-- \/callout-content -->\n<\/div>\n<!-- \/module callout -->\n        <\/div>\n                        <\/div>\n        <\/div>\n            <\/div>\n<!--\/themify_builder_content--><\/div>\n<\/div>\n<!-- \/module template_part --><!-- module template_part -->\n<div  class=\"module module-layout-part tb_dnt9255 \">\n    <div class=\"tb_layout_part_wrap tf_w\"><!--themify_builder_content-->\n    <div  class=\"themify_builder_content themify_builder_content-7213 themify_builder not_editable_builder in_the_loop\" data-postid=\"7213\">\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_bbmo319 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_fx7c320 first\">\n                    <!-- module widget -->\n<div  class=\"module module-widget tb_59ly3  \" data-lazy=\"1\">\n    <div class=\"widget feature-posts\"><h2 class=\"widgettitle\">Recent Posts<\/h2><ul class=\"feature-posts-list\"><li><a href=\"https:\/\/sbwm.uk\/v3\/news\/what-can-financial-planning-do-for-you-2\/\"><img decoding=\"async\" data-src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2020\/10\/SBWM-Financial-planning-journey-1024x536-50x50.jpg\" width=\"50\" height=\"50\" class=\"post-img wp-post-image wp-image-7437 lazyload\" title=\"SBWM-Financial-planning-journey\" alt=\"SBWM-Financial-planning-journey\" data-srcset=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2020\/10\/SBWM-Financial-planning-journey-1024x536-50x50.jpg 50w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2020\/10\/SBWM-Financial-planning-journey-150x150.jpg 150w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2020\/10\/SBWM-Financial-planning-journey-1024x536-978x978.jpg 978w\" data-sizes=\"(max-width: 50px) 100vw, 50px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 50px; --smush-placeholder-aspect-ratio: 50\/50;\" \/><\/a><a href=\"https:\/\/sbwm.uk\/v3\/news\/what-can-financial-planning-do-for-you-2\/\" class=\"feature-posts-title\">What can financial planning do for you<\/a> <br \/><\/li><li><a href=\"https:\/\/sbwm.uk\/v3\/newsletter\/a-comfortable-retirement-for-only-9-what-the-headlines-mean\/\"><img decoding=\"async\" data-src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/07\/A-\u2018comfortable-retirement-for-only-9-\u2013-what-the-headlines-mean-1024x684-50x50.jpg\" width=\"50\" height=\"50\" class=\"post-img wp-post-image wp-image-11488 lazyload\" title=\"A \u2018comfortable\u2019 retirement for only 9% \u2013 what the headlines mean\" alt=\"A \u2018comfortable\u2019 retirement for only 9% \u2013 what the headlines mean\" data-srcset=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/07\/A-\u2018comfortable-retirement-for-only-9-\u2013-what-the-headlines-mean-1024x684-50x50.jpg 50w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/07\/A-\u2018comfortable-retirement-for-only-9-\u2013-what-the-headlines-mean-150x150.jpg 150w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/07\/A-\u2018comfortable-retirement-for-only-9-\u2013-what-the-headlines-mean-1024x684-978x978.jpg 978w\" data-sizes=\"(max-width: 50px) 100vw, 50px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 50px; --smush-placeholder-aspect-ratio: 50\/50;\" \/><\/a><a href=\"https:\/\/sbwm.uk\/v3\/newsletter\/a-comfortable-retirement-for-only-9-what-the-headlines-mean\/\" class=\"feature-posts-title\">A \u2018comfortable\u2019 retirement for only 9% \u2013 what the headlines mean<\/a> <br \/><\/li><li><a href=\"https:\/\/sbwm.uk\/v3\/newsletter\/writing-your-will-remember-to-choose-your-executors-with-care\/\"><img decoding=\"async\" data-src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/07\/Writing-your-will-\u2013-Remember-to-choose-your-executors-with-care-1024x683-50x50.jpg\" width=\"50\" height=\"50\" class=\"post-img wp-post-image wp-image-11483 lazyload\" title=\"Writing your will \u2013 Remember to choose your executors with care\" alt=\"Writing your will \u2013 Remember to choose your executors with care\" data-srcset=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/07\/Writing-your-will-\u2013-Remember-to-choose-your-executors-with-care-1024x683-50x50.jpg 50w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/07\/Writing-your-will-\u2013-Remember-to-choose-your-executors-with-care-150x150.jpg 150w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/07\/Writing-your-will-\u2013-Remember-to-choose-your-executors-with-care-1024x683-978x978.jpg 978w\" data-sizes=\"(max-width: 50px) 100vw, 50px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 50px; --smush-placeholder-aspect-ratio: 50\/50;\" \/><\/a><a href=\"https:\/\/sbwm.uk\/v3\/newsletter\/writing-your-will-remember-to-choose-your-executors-with-care\/\" class=\"feature-posts-title\">Writing your will? Remember to choose your executors with care<\/a> <br \/><\/li><li><a href=\"https:\/\/sbwm.uk\/v3\/newsletter\/wealth-tax-comes-around-again\/\"><img decoding=\"async\" data-src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/07\/Wealth-tax-comes-around-again-1024x520-50x50.jpg\" width=\"50\" height=\"50\" class=\"post-img wp-post-image wp-image-11479 lazyload\" title=\"Wealth tax comes around again\" alt=\"Wealth tax comes around again\" data-srcset=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/07\/Wealth-tax-comes-around-again-1024x520-50x50.jpg 50w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/07\/Wealth-tax-comes-around-again-150x150.jpg 150w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/07\/Wealth-tax-comes-around-again-1024x520-978x978.jpg 978w\" data-sizes=\"(max-width: 50px) 100vw, 50px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 50px; --smush-placeholder-aspect-ratio: 50\/50;\" \/><\/a><a href=\"https:\/\/sbwm.uk\/v3\/newsletter\/wealth-tax-comes-around-again\/\" class=\"feature-posts-title\">Wealth tax comes around again<\/a> <br \/><\/li><li><a href=\"https:\/\/sbwm.uk\/v3\/newsletter\/an-overdue-thaw-on-mileage-rates\/\"><img decoding=\"async\" data-src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/07\/An-overdue-thaw-on-mileage-rates-1024x666-50x50.jpg\" width=\"50\" height=\"50\" class=\"post-img wp-post-image wp-image-11475 lazyload\" title=\"An overdue thaw on mileage rates\" alt=\"An overdue thaw on mileage rates\" data-srcset=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/07\/An-overdue-thaw-on-mileage-rates-1024x666-50x50.jpg 50w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/07\/An-overdue-thaw-on-mileage-rates-150x150.jpg 150w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/07\/An-overdue-thaw-on-mileage-rates-1024x666-978x978.jpg 978w\" data-sizes=\"(max-width: 50px) 100vw, 50px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 50px; --smush-placeholder-aspect-ratio: 50\/50;\" \/><\/a><a href=\"https:\/\/sbwm.uk\/v3\/newsletter\/an-overdue-thaw-on-mileage-rates\/\" class=\"feature-posts-title\">An overdue thaw on mileage rates<\/a> <br \/><\/li><\/ul><\/div><\/div>\n<!-- \/module widget -->\n        <\/div>\n                        <\/div>\n        <\/div>\n            <\/div>\n<!--\/themify_builder_content--><\/div>\n<\/div>\n<!-- \/module template_part --><!-- module template_part -->\n<div  class=\"module module-layout-part tb_7ulo647 \">\n    <div class=\"tb_layout_part_wrap tf_w\"><!--themify_builder_content-->\n    <div  class=\"themify_builder_content themify_builder_content-7217 themify_builder not_editable_builder in_the_loop\" data-postid=\"7217\">\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_l777512 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_6u87513 first\">\n                    <!-- module post -->\n<div  class=\"module module-testimonial tb_no32446 \">\n        <div  class=\"builder-posts-wrap loops-wrapper testimonial fullwidth tf_clear tf_clearfix\" data-lazy=\"1\">\n    <article id=\"testimonial-7326\" class=\"post tf_clearfix testimonial-post post-7326 testimonial type-testimonial status-publish hentry testimonial-category-testimonials has-post-title has-post-date has-post-category has-post-tag has-post-comment has-post-author \">\n\t\n\t<div class=\"testimonial-content\">\n\t\t<div class=\"entry-content\">\n\n\t\t\t\t\t\t\t\t\t<h1 class=\"post-title\">Provide very sound advice<\/h1>\n\t\t\t\t\t\n\t\t\t\t\tI\u2019ve known Graham for some 25 years and during that long period of time had the privilege of seeing Graham acquire a deep wealth of experience and knowledge in Financial Planning which has enabled him to support his clients for many many years. More recently my family have been able to directly benefit from his valued experience to guide us through our future plans. We now feel confident in our future with Graham helping us on that journey.\r\n\r\nI was very supportive of Graham establishing Sky Blue Wealth Management as this allows him the ability to dedicate all his energies, knowledge and experience in supporting his clients and their families. Very approachable, very personable but crucially able to provide very sound advice on financial planning. I would thoroughly recommend Graham to anyone that is seeking a professional and very personal expert to help manage their financial affairs.\t\t\n\t\t<\/div>\n\t\t<!-- \/.entry-content -->\n\n\t\t\t<\/div>\n\t<!-- \/.testimonial-content -->\n\n\t\n\t\t\t\t\t<p class=\"testimonial-author\">\n\t\t\t<a href=\"https:\/\/sbwm.uk\/v3\/testimonial\/provide-very-sound-advice\/\" title=\"Provide very sound advice\">&mdash; <span>Linda Taylor<\/span><\/a><span class=\"testimonial-title\">Senior Vice President \u2013 Banking<\/span>\t\t<\/p>\n\t\t<!-- \/.testimonial-author -->\n\t\t\t\n\t<\/article>\n<!-- \/.testimonial-post -->\n    <\/div><!-- .builder-posts-wrap -->\n                <\/div>\n<!-- \/module post -->\n            <\/div>\n                        <\/div>\n        <\/div>\n            <\/div>\n<!--\/themify_builder_content--><\/div>\n<\/div>\n<!-- \/module template_part -->        <\/div>\n                        <\/div>\n        <\/div>\n        <\/div>\n<!--\/themify_builder_content-->","protected":false},"excerpt":{"rendered":"<p>Mortgage Solutions(and Equity Release) Property is likely to be the biggest financial commitment that you ever make. Mortgages can become a minefield unless you seek whole of market advice so you are not drawn into a deal that means more to the lender than it does to you. Equity release is another area that should [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":4338,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-4620","page","type-page","status-publish","hentry","has-post-title","has-post-date","has-post-category","has-post-tag","has-post-comment","has-post-author",""],"builder_content":"<svg> <circle r=\"calc(50% - 2.00px)\" cx=\"50%\" cy=\"50%\" stroke-width=\"4\"\/> <circle r=\"calc(50% - 2.00px)\" cx=\"50%\" cy=\"50%\" stroke=\"#13c0e1\" stroke-width=\"4\" data-progress=\"100\" stroke-dasharray=\"0,10000\"\/> <\/svg> <img src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic6-150x150.jpg\" width=\"150\" height=\"150\" title=\"pic6\" style=\"width:calc(100% - 8px);height:calc(100% - 8px)\" alt=\"pic6\" srcset=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic6.jpg 150w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic6-180x180.jpg 180w\" sizes=\"(max-width: 150px) 100vw, 150px\" \/> \n <h1>Mortgage Solutions<br \/><em>(and Equity Release)<\/em><\/h1> <h3>Property is likely to be the biggest financial commitment that you ever make. Mortgages can become a minefield unless you seek whole of market advice so you are not drawn into a deal that means more to the lender than it does to you. Equity release is another area that should only be considered with the advice of someone who has no strings attached.\u00a0<\/h3> <h5><strong><em>Your home may be repossessed if you do not keep up repayments on your mortgage or other loans secured on it.\u00a0<\/em><\/strong><\/h5> <h5><strong><em>Equity Release \u2013 We will refer any enquires to a specialist equity release adviser who will advise you of the arrangement fees for this type of business.<\/em><\/strong><\/h5> <h5><strong><em>Equity Release will reduce the value of your estate and can affect your eligibility for means tested benefits.<\/em><\/strong><\/h5>","_links":{"self":[{"href":"https:\/\/sbwm.uk\/v3\/wp-json\/wp\/v2\/pages\/4620","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/sbwm.uk\/v3\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/sbwm.uk\/v3\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/sbwm.uk\/v3\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/sbwm.uk\/v3\/wp-json\/wp\/v2\/comments?post=4620"}],"version-history":[{"count":20,"href":"https:\/\/sbwm.uk\/v3\/wp-json\/wp\/v2\/pages\/4620\/revisions"}],"predecessor-version":[{"id":11551,"href":"https:\/\/sbwm.uk\/v3\/wp-json\/wp\/v2\/pages\/4620\/revisions\/11551"}],"up":[{"embeddable":true,"href":"https:\/\/sbwm.uk\/v3\/wp-json\/wp\/v2\/pages\/4338"}],"wp:attachment":[{"href":"https:\/\/sbwm.uk\/v3\/wp-json\/wp\/v2\/media?parent=4620"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}