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Hayes Finance

A trusted team of mortgage brokers by your side, every step of the way. Adviser available in London, Beaconsfield, and Ipswich.

26/08/2026

What is an equity release mortgage? How do they work? 🤔

If you're new to the concept of equity release mortgages, you're not alone. Many people are unfamiliar with this financial tool that can help homeowners access the equity tied up in their homes 🏠

In this article, industry expert, Kieran Hayes, explores the world of equity release mortgages, what they are and how they can benefit homeowners, especially those aged 55 and above.

Read the full article here ➡️

https://www.hayesfinance.co.uk/tapping-into-home-equity-how-equity-release-mortgages-work/

21/08/2026

Complex property structures shouldn't mean the end of your investment dreams! 🏢💼

We recently received this fantastic review after helping a client navigate a highly complex freehold purchase. They already owned a first-floor flat and had the opportunity to buy the downstairs freehold flat to secure full ownership of the entire building. After being rejected by High Street lenders through another broker due to the complex arrangement and the speed required, they came to us.

We advised completing the purchase through an SPV (Special Purpose Vehicle) and guided the client in creating a lease structure that specialist lenders would accept. Working closely with the mortgage lender, we swiftly secured £350,000 on a £475,000 purchase price (75% LTV), locking in a 5-year fixed rate of 4.86%.

At Hayes Finance, our ability to think outside the box extends across everything we do. Whether we are untangling complex freehold structures for Buy-to-Let investors, or helping homeowners safely unlock property wealth through our premier Equity Release services, we offer the same proactive, expert, and reassuring guidance.

We specialise in delivering fast-moving solutions where mainstream lenders simply can't help.

Let's discuss your next property move today.

🔗 https://www.hayesfinance.co.uk/contact-us/

19/08/2026

Are you dreaming of a new home, planning to remortgage, or seeking a mortgage for your next big move? 🏡

At Hayes Finance, we understand that each situation is unique, and we offer a variety of mortgage options to suit your specific needs.

Our expert team is dedicated to helping you navigate the mortgage landscape with ease.

For more information or to book a consultation, head over to our website: www.hayesfinance.co.uk.

Let us help you get where you want to be.

Contact us today 🔗 https://www.hayesfinance.co.uk/

14/08/2026

Planning ahead? Take a look at where equity release is heading and how to make it work for your future.

Read the full article here ➡️ https://www.hayesfinance.co.uk/the-future-of-equity-release-trends-and-predictions-for-the-next-5-10-years/

12/08/2026

Turning 55? The financial options available to you just got a lot broader!

Equity release is no longer just an option for your parents' generation. More and more people in their 50s and 60s are exploring how unlocking property wealth can bridge the gap to retirement, fund a dream purchase, or help children onto the property ladder.

Even if you don't need it right now, knowing what’s available is just smart financial planning. From traditional mortgages to specialised later-life lending and family protection, we cover all the bases so you don't have to.

Start the conversation early. Drop us a message to see how turning 55 changes your financial toolkit.

https://www.hayesfinance.co.uk/contact-us/

07/08/2026

Are you thinking about becoming a private landlord?

While it can be a rewarding venture, let's not overlook the complexities involved. It's important to be well-prepared for success.

There are 3 key differences in buy to let mortgages ➡️

1️⃣ Rent Potential: Mortgage decisions consider rental income along with your earnings. In some cases, your income isn't the primary factor.

2️⃣ Interest Rate: Buy to let mortgages typically have slightly higher interest rates. But the potential returns can make it worthwhile.

3️⃣ Larger Deposit: Get ready to put down a minimum of 20% or 25% of the property's value as a deposit.

Curious to learn more about buy to let mortgages? Head over to our website and discover how this investment could reap considerable financial rewards over time.

https://www.hayesfinance.co.uk/

05/08/2026

Think getting a standard residential mortgage in your 60s is impossible? Think again! 🏡✨

We recently received this wonderful review after helping a married couple (with the eldest aged 60) purchase a new property. They needed a 15-year term that would comfortably carry them into their retirement, making affordability a key challenge.

They had been refused elsewhere, but our team got straight to work. We identified a specialist residential lender and secured £124,000 at an 85% Loan to Value, locking in a 5-year fixed rate at 4.69%. This provided our clients with the financial stability and peace of mind they needed for their mid-retirement plans.

Whether you need a specialist residential mortgage to move house, or want to explore if equity release is right for your retirement plan, Hayes Finance looks at the whole picture to find the perfect fit.

When the computer says no, give us a go!

Get in touch with Ed, Nicola, and the rest of the team today 👉🏼 https://www.hayesfinance.co.uk/contact-us/

31/07/2026

At Hayes Finance, we prioritise care and transparency in every equity release journey. From providing clear, jargon-free advice to safeguarding vulnerable clients, we ensure you feel supported and informed every step of the way.

Discover how we make equity release a stress-free experience tailored to your needs. Read our article here 👉🏼

https://www.hayesfinance.co.uk/safeguarding-vulnerable-clients-how-hayes-finance-prioritises-care-in-equity-release/

29/07/2026

More homeowners than ever are choosing equity release.

Read our Q&A with Kieran Hayes to find out why, and whether it could work for you 👉

https://www.hayesfinance.co.uk/the-increasing-popularity-of-equity-release/

24/07/2026

Embarking on your journey to homeownership? 🏠

Our comprehensive guide to first-time buyer mortgages has got you covered every step of the way. From understanding the process to finding the perfect mortgage for your needs, we provide expert advice to help you achieve your dream of owning your first home.

Explore more in our article on the subject and take the first steps towards making your homeownership dreams a reality.

🔗https://www.hayesfinance.co.uk/a-comprehensive-guide-to-first-time-buyer-mortgages/

Address

91 Wimpole Street, Marylebone
London
W1G0EF

Telephone

+442031264898

Website

http://www.hayesfinance.co.uk/

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