‘Excellent company and nice people to deal with, everyone was helpful and understanding’

Mr Morgan, Cardiff

The Equity Release Process

  • Find a good, reliable Equity Release Broker to advise you.

Read reviews from Brokers previous clients from Google, or sites like VouchedFor or Unbiased.co.uk as many of these are independently verified reviews.

  • Give them a call to ask any initial questions.

These calls are a good chance for you to ascertain if you feel that they sound efficient, friendly and reliable.

Once you have chosen which Advisor you would like to meet with, they will offer you a Phone or Video appointment to speak to you about your situation in further detail.


If Equity Release is a recommendation and you decide that you would like to complete an application then the process with Ocean is:

Establish if you need Equity Release

The best place to start is ’do we actually need to take Equity from our property, or are there alternatives that we haven’t yet considered?’ We will discuss at least five alternative ways to raise funds with you.

Discuss your circumstances

To give you the best possible advice, we ask you a series of questions to find out about you, your current circumstances and your financial aims from releasing property wealth. This then means that our advice can be tailored to your specific needs.


  • Complete an application

Upon completion of our Whole Of Market, once we have researched and found a lender with a product best matched to your needs, we then complete an application.

  • Find a solicitor

We work with a panel of solicitors across the country who we have chosen based on their high service levels and fair costs.

  • Instruct a survey

Upon completion of the application with your lender and providing them with the paperwork they have requested, they will then instruct a survey of your home. This is to ascertain the condition and value of your property.




  • Mortgage offer and completion

Once the lender has agreed your loan, a copy of your mortgage offer is issued. Your solicitor then liaises with you to complete the legal paperwork and arrange completion of the mortgage and the release of funds.


Equity release Plymouth.

Equity Release

About Ocean Equity Release

First time buyer mortgage broker Plymouth.

What Equity Release can be used for

What Equity Release can be used for

Mortgage broker Plymouth.

Calculate the amount you can raise

How to calculate Equity Release interest

Equity Release

The Equity Release Process

Mortgage protection Plymouth.

Equity Release set up costs

How much will Equity Release cost?

Modern Day Equity Release

The advantages of modern day Equity Release

How Equity Release has improved. 

Equity Release

Alternatives to Equity Release

What other options are available? 

Frequently Asked Questions about Equity Release

Frequently Asked Questions


Buy to Let mortgages Plymouth.

How Equity Release helped me

Our Client Wendy, and how Equity Release helped her