Equity Release Halifax: Your Local Independent Advisers
Based right here in Halifax. Expert, FCA-regulated equity release advice from your local specialists. Free consultation. Whole-of-market service. Equity Release Council members.
Welcome to Every Step Financial Services - your trusted, local equity release advisers based in the heart of Halifax at Croft Myl, W Parade. We help Calderdale homeowners aged 55+ unlock the wealth in their properties with transparent, personalised advice you can rely on.
Your Local Halifax Equity Release Specialists
Based Right Here in Halifax
Unlike national call centres, we’re genuinely local. Our office is at Croft Myl, W Parade in Halifax town centre. Meet with us face-to-face, visit our office, or we’ll come to your home.
Fully Independent Whole-of-Market Advice
We’re not tied to any lender or provider. We search every equity release plan available across the UK market, comparing products from all major providers to find the perfect fit for your Halifax home.
Meet Joanne – Your Local Adviser Adviser
Joanne brings over 9 years of financial services expertise, specialising in equity release. Based in Halifax, she serves Manchester clients through home visits, office appointments, or video consultations.
Free Consultation – No Obligation
Your first meeting costs nothing and there’s absolutely no pressure. We’ll discuss your Halifax property, explain your options clearly, and give honest guidance on whether equity release is right for you.
Equity Release
What Is Equity Release for Halifax Homeowners?
Halifax residents aged 55 and over can access property wealth without the upheaval of selling or downsizing. Release funds as a single sum or take flexible withdrawals, all whilst staying in the home you love.
Equity Release Options in Halifax:
Lifetime Mortgages
The most popular choice for Halifax homeowners. Borrow against your home’s value whilst retaining complete ownership.
How lifetime mortgages work:
- Release tax-free cash from your Halifax property
- No compulsory monthly repayments
- Interest rate guaranteed for life
- Continue living in your Halifax home
- Option to protect equity for your family
- Repaid when you pass away or move into care
Drawdown Lifetime Mortgages
Increasingly popular across Calderdale. Access an initial amount with remaining funds held in reserve, drawing more only when needed.
Benefits:
- Greater borrowing control
- Lower total interest payments
- Access additional funds as life changes
- Ideal for staged home improvements
Home Reversion Plans
Sell a share of your Halifax property for immediate funds whilst keeping the right to live there for life, completely rent-free.
Why Halifax Homeowners Choose Equity Release
Halifax Property Market Overview
Halifax homeowners in Sowerby Bridge, Skircoat, Northowram, Illingworth, and Southowram have built considerable equity over the years.
Preparing For Your Future
Common Reasons Halifax Residents Release Equity:
Home Improvements: Modernising stone-built Halifax properties, installing energy-efficient heating, adding extensions, garden landscaping and essential maintenance.
Supporting Local Families: Helping children buy their first Halifax home, funding grandchildren’s education and providing financial support.
Boosting Retirement Income: Supplementing pension income, managing rising costs, funding travel and hobbies.
Clearing Debts: Paying off outstanding mortgages, consolidating loans, managing unexpected expenses.
Planning Ahead: Building reserves for potential future care, funding private healthcare and ensuring financial security.
How Much Can Halifax Homeowners Release?
Age Factor
Available from age 55, with higher amounts accessible as you get older:
- Ages 55-60: Usually 20-25%
- Ages 65-70: Usually 30-35%
- Ages 75-80: Usually 40-45%
- Ages 85+: Usually 50-60%
Halifax Property Examples:
Stone Terrace in Sowerby Bridge Value: £220,000 | Age: 69 | Potential: £66,000 – £77,000
Semi-Detached in Illingworth Value: £280,000 | Age: 71 | Potential: £84,000 – £98,000
Detached in Northowram Value: £380,000 | Age: 73 | Potential: £133,000 – £152,000
Examples for illustration only.
Our Process
Our Halifax Service
01
Initial Meeting
Meet at our Halifax office at Croft Myl, your home, or by video call. We’ll discuss your financial situation, explain how equity release works, and answer all your questions. Completely free with zero obligation.
02
Comprehensive Market Search
We research the entire market specifically for your Halifax property. Comparing rates, features, and flexibility from all major providers to find the best plan for your circumstances and goals.
03
Personalised Recommendation
Receive a detailed proposal tailored to your Halifax home. Including clear projections, impact on your estate, full cost breakdown, and a personalised illustration showing exactly how your plan would work.
04
Application and Valuation
We handle the application and arrange your Halifax property valuation. Coordinating with the lender and keeping you informed at every stage. Property valuation is typically completed within 1-2 weeks.
05
Legal Process
Your independent solicitor reviews everything and explains your commitments. They’ll ensure you understand the contract fully before signing. Legal work usually takes 4-8 weeks to complete.
06
Funds Released
Once completed, funds are transferred directly to you or your solicitor. You can then use the money however you choose. Full journey from consultation to completion: typically 8-12 weeks.
Joanne is very thorough and efficient and takes the time to explain all the details of the work she undertakes. I won't be going anywhere else for my financial advice
Spoke with Jo for ten mins, and was told more about withdrawing my pension pot in them minutes than the Provider has told me in the last 7 weeks. Very professional and very helpful, would certainly recommend
Jo was so helpful. After having concerns on some financial queries, Jo was very knowledgeable and reassuring. She helped put my mind at ease and has given me confidence in moving forward.
First time using Every Step Financial Services and they have been brilliant, professional while making you feel comfortable as sometimes talking about things what they deal with are confusing and sometimes hard to understand for me anyway , this company can walk the walk as well as talk the talk thank God!!
Joanne was brilliant. listened to what I needed and then went through my pensions and explained what was going on with them. Would seriously recommend Joanne to all my friends & colleagues.
I am delighted to speak on behalf of JOANNE FLANAGAN of Every Step Financial Services. Joanne has provided financial advice to my wife and I for some time now and she has always offered this advice in a most professional manner. She listens carefully to our views and reflects them in her judgements. For many years Joanne ably monitored our investments and offered us advice on the way forward. Recently however Joanne has gone beyond what we could have expected as she has supported us with help, compassion, and understanding during our daughter's difficult divorce. We have had to loan our daughter much of our savings to fund her legal bills which have come in at irregular and sometimes unexpected moments. Joanne has always been there to with advice and help organising the arrangements and managing our withdrawls. She has proved herself a true friend as well as a financial adviser. When the divorce is settled and the loan repaid I look forward to reinvesting our savings with Joanne and Every Step. Thank you Joanne Frank Jeffs 14/12/24
First class service, with Joanne going above and beyond the call of duty. She is always available for a chat about plans, keeps me informed and quickly actions changes when needed. Can not recommend highly enough
Jo is a an actual lifesaver. I was on the hook for a >£100k inheritance tax bill after an 18 month probate process. My lawyer had tried everything, and we were in dire straits - the bill exceeded what was available in cash to pay it. I got second and third opinions from lawyer friends… No one had any better news for us. In desperation I turned to Jo who immediately spotted that I was entitled to transfer some of my deceased father’s allowance since my parents never divorced. SOMETHING MY LAWYER COMPLETELY MISSED! Unlike Jo, he’d just assumed that because they weren’t together, they were divorced. Jo takes the time to know her customers, assumes nothing, listens to EVERYTHING and that, along with her razor sharp mind and fairly recent training means she is on top of all the most recent legislation and can get the very best outcomes for her clients. My bill dropped to £8.5k thanks to Jo’s knowledge and intelligence and I am forever in her debt. Thank you, Jo. I cannot sing your praises highly enough, and my mum would be so, so grateful to you 🙏🏼
I've worked with Jo for a few years now & she is extremely approachable & friendly. Her advice has helped so much in understanding about my future finances. She actually talks in a language that I understand & makes it easy to get to grasps with financial stuff which is not my forte. I have recommended Jo to friends & family & they have benefitted from her advice too.
Absolutely incredible service! Joanne took the time to sit with us, talk to us (not at us!) and understand our very complex, individual circumstances. Her advice was unbiased, considered and perfectly suited to our needs. Highly recommend!!
Jo has helped my wife and me with our pension planning and given us general financial advice. She is extremely knowledgable and helpful and we can highly recommend her services.
Protection for Halifax Homeowners
✅ No Negative Equity Guarantee
Your Halifax home sale will always cover the debt. You’re protected from owing more than your property’s worth.
✅ Lifetime Residence Rights
Guaranteed right to remain in your Halifax home for life.
✅ Fixed Interest Rates
Your rate is locked in for life. No surprise increases.
✅ Portability Options
Most modern plans allow you to transfer your mortgage if you move.
✅ Independent Legal Protection
You’ll have your own solicitor who explains everything independently.
✅ Cooling-Off Rights
A legal cancellation period allows you to withdraw after signing.
Preparing For Your Future
Important Considerations
Inheritance Impact
Releasing equity reduces your estate’s value. However, you can protect a percentage for beneficiaries.
Benefits Assessment
Receiving substantial funds may affect eligibility for means-tested benefits. We’ll review your specific situation.
Interest Accumulation
Without making repayments, interest compounds over time. We provide transparent projections.
Alternative Options
We’ll honestly discuss downsizing, Retirement Interest-Only mortgages, standard remortgaging, or using savings if more appropriate.
Halifax and Calderdale Areas We Serve
Central Halifax: Town Centre, Skircoat, King Cross, Boothtown, Wheatley
North Halifax: Illingworth, Ovenden, Mixenden, Shelf, Northowram
South Halifax: Southowram, Hipperholme, Lightcliffe, Brighouse
East Halifax: Elland, Greetland, West Vale, Stainland
West Halifax: Sowerby Bridge, Ripponden, Luddenden, Mytholmroyd, Hebden Bridge
Calderdale: Todmorden, Warley, Norland, Sowerby, Triangle
Customer Testiomonials
Joanne is very thorough and efficient and takes the time to explain all the details of the work she undertakes. I won't be going anywhere else for my financial advice
Spoke with Jo for ten mins, and was told more about withdrawing my pension pot in them minutes than the Provider has told me in the last 7 weeks. Very professional and very helpful, would certainly recommend
Jo was so helpful. After having concerns on some financial queries, Jo was very knowledgeable and reassuring. She helped put my mind at ease and has given me confidence in moving forward.
First time using Every Step Financial Services and they have been brilliant, professional while making you feel comfortable as sometimes talking about things what they deal with are confusing and sometimes hard to understand for me anyway , this company can walk the walk as well as talk the talk thank God!!
Joanne was brilliant. listened to what I needed and then went through my pensions and explained what was going on with them. Would seriously recommend Joanne to all my friends & colleagues.
I am delighted to speak on behalf of JOANNE FLANAGAN of Every Step Financial Services. Joanne has provided financial advice to my wife and I for some time now and she has always offered this advice in a most professional manner. She listens carefully to our views and reflects them in her judgements. For many years Joanne ably monitored our investments and offered us advice on the way forward. Recently however Joanne has gone beyond what we could have expected as she has supported us with help, compassion, and understanding during our daughter's difficult divorce. We have had to loan our daughter much of our savings to fund her legal bills which have come in at irregular and sometimes unexpected moments. Joanne has always been there to with advice and help organising the arrangements and managing our withdrawls. She has proved herself a true friend as well as a financial adviser. When the divorce is settled and the loan repaid I look forward to reinvesting our savings with Joanne and Every Step. Thank you Joanne Frank Jeffs 14/12/24
First class service, with Joanne going above and beyond the call of duty. She is always available for a chat about plans, keeps me informed and quickly actions changes when needed. Can not recommend highly enough
Jo is a an actual lifesaver. I was on the hook for a >£100k inheritance tax bill after an 18 month probate process. My lawyer had tried everything, and we were in dire straits - the bill exceeded what was available in cash to pay it. I got second and third opinions from lawyer friends… No one had any better news for us. In desperation I turned to Jo who immediately spotted that I was entitled to transfer some of my deceased father’s allowance since my parents never divorced. SOMETHING MY LAWYER COMPLETELY MISSED! Unlike Jo, he’d just assumed that because they weren’t together, they were divorced. Jo takes the time to know her customers, assumes nothing, listens to EVERYTHING and that, along with her razor sharp mind and fairly recent training means she is on top of all the most recent legislation and can get the very best outcomes for her clients. My bill dropped to £8.5k thanks to Jo’s knowledge and intelligence and I am forever in her debt. Thank you, Jo. I cannot sing your praises highly enough, and my mum would be so, so grateful to you 🙏🏼
I've worked with Jo for a few years now & she is extremely approachable & friendly. Her advice has helped so much in understanding about my future finances. She actually talks in a language that I understand & makes it easy to get to grasps with financial stuff which is not my forte. I have recommended Jo to friends & family & they have benefitted from her advice too.
Absolutely incredible service! Joanne took the time to sit with us, talk to us (not at us!) and understand our very complex, individual circumstances. Her advice was unbiased, considered and perfectly suited to our needs. Highly recommend!!
Jo has helped my wife and me with our pension planning and given us general financial advice. She is extremely knowledgable and helpful and we can highly recommend her services.
contact us
Get Started with Your Local Halifax Advisers
Ready to explore equity release for your Halifax property?
Fill out the form below, and we’ll respond promptly!
Call us at 01422 652300 or fill out our form, and we’ll contact you within one business day.
Your Next Steps:
- Contact us to arrange a convenient meeting time
- Free consultation at our Halifax office, your home, or by video
- We’ll review your Halifax property and circumstances
- Receive honest, expert guidance with no obligation
- Clear explanations in straightforward language
- Get personalised recommendations for your situation
Halifax Equity Release FAQs
No. Most plans require existing mortgages be repaid from the released funds.
No. Most schemes require existing mortgages be repaid from released funds. We’ll determine what remains available for your use.
It reduces your estate. However, inheritance protection can ring-fence a percentage.
The No Negative Equity Guarantee protects you. You’ll never owe more than the sale proceeds.
Yes, most modern plans are portable.
Usually 8-12 weeks from initial consultation to receiving funds.
Not legally required, but we strongly encourage it. Family members are welcome at all consultations.
None whatsoever. The funds are yours to use however you choose.
Is Equity Release Right for Your Halifax Home?
Consider equity release if:
✅ You're 55 or older
✅ You own a Calderdale property worth £70,000+
✅ It's your main residence
✅ The property is well-maintained
✅ You want to access wealth without selling
✅ You're comfortable with reducing your estate
If this describes your situation, we can provide expert guidance tailored to your Halifax property.
Equity Release Services Across the North
We provide expert equity release advice throughout Yorkshire and Greater Manchester:
Equity Release Leeds – Serving Leeds and West Yorkshire homeowners with local market expertise.
Equity Release Manchester – Serving Greater Manchester homeowners across all boroughs and areas.
Equity Release York – Historic city specialists covering York and North Yorkshire.
Equity Release Harrogate – Premium service for Harrogate and surrounding spa towns.
Looking for equity release advice in another area? We’re here to help homeowners across the North of England.