Access the wealth in your Manchester home with expert, FCA-regulated equity release advice. Whole-of-market service. Free consultation. Serving all Greater Manchester areas.
Whole-of-Market Independent Service
We’re not tied to any lender. We search the complete equity release market to secure the most suitable plan for your Manchester property, comparing products from all major providers including Legal & General, Aviva, More2Life, and LV=.
Fully Regulated & Protected
As an FCA-authorised firm and Equity Release Council member, we ensure every recommendation meets the highest standards. All plans include the No Negative Equity Guarantee protecting Manchester homeowners.
Experienced Personal Adviser
Joanne brings over 9 years of financial services expertise, specializing in equity release. Based in Halifax, she serves Manchester clients through home visits, office appointments, or video consultations.
No Obligation Consultation
Your initial consultation costs nothing. We’ll review your Manchester property, discuss your goals, explain your options, and provide honest guidance. No pressure to proceed.
Manchester homeowners aged 55 and over can access property wealth without selling up or moving out. Release funds as a lump sum or draw down flexibly, all whilst remaining in your Manchester home.
The preferred choice for most Manchester homeowners. Borrow against your property whilst keeping full ownership.
How it works:
Ideal for Manchester homeowners wanting: Full ownership retention, payment flexibility, and no monthly obligations.
Growing in popularity across Manchester. Release an initial amount, then access additional reserves as needed without paying interest on unused funds.
Advantages:
Sell a percentage of your Manchester property for immediate funds whilst retaining lifetime occupancy rights, rent-free.
Key aspects:
This sustained growth means many Manchester homeowners, particularly in sought-after areas like Didsbury, Chorlton, Sale, and Altrincham, hold substantial property wealth.
Property Enhancements Modernising kitchens and bathrooms, installing mobility aids like stairlifts, upgrading heating systems for energy efficiency, garden improvements and extensions.
Supporting Manchester Families: Helping children purchase in Manchester’s competitive housing market, funding grandchildren’s education and providing financial assistance during challenging times.
Enhancing Retirement Quality: Topping up pension income, managing rising living costs, funding travel and leisure pursuits, and maintaining desired lifestyle standards.
Financial Consolidation: Clearing existing mortgage balances, paying off outstanding credit agreements, handling unexpected costs and simplifying retirement finances.
Future Planning: Building reserves for potential care needs, funding private healthcare, ensuring financial stability and strategic estate planning.
Meet at your Manchester property, our office, or by video. We’ll explore your financial situation, explain equity release clearly, and address all questions. Completely free with no obligation.
For suitable cases, we conduct thorough market analysis for your Manchester property. Comparing all providers’ rates, features, flexibility, and overall suitability.
Receive a comprehensive recommendation specific to your Manchester home, including detailed projections, impact assessments, and transparent cost breakdowns.
We submit your application, coordinate the valuation of your Manchester property, liaise with solicitors, and maintain regular communication. Valuation typically completed within 1-2 weeks.
Your independent solicitor reviews documentation, explains your commitments, and finalises the arrangement. Legal work generally takes 4-8 weeks.
Upon completion, funds are released to you. The entire process from consultation to completion usually spans 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.
Your Manchester home sale proceeds will always cover the debt. Even if property values decline, you’re protected from owing more than the property’s worth.
Guaranteed occupancy of your Manchester property for life or until permanent care is required.
Your interest rate remains constant for life. No unexpected increases. Complete clarity from the start.
Transfer your mortgage if relocating to another suitable Manchester property or elsewhere.
You’ll have separate legal representation who’ll explain everything independently.
A cooling-off period allows you to withdraw after signing if circumstances change.
Releasing equity reduces estate value. However, inheritance protection options exist, and many Manchester families prefer seeing wealth used during lifetimes rather than afterward.
Receiving significant funds may affect means-tested benefit eligibility including Pension Credit, Council Tax Support, or Housing Benefit. We’ll review your specific circumstances.
Without repayments, interest accumulates and compounds. We provide transparent projections demonstrating potential debt growth over time.
We’ll also discuss downsizing within Manchester, Retirement Interest-Only mortgages, conventional remortgaging, or utilizing existing savings when more appropriate.
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.
Ready to explore equity release for your Leeds 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.
Generally 20-60% of your property value, primarily determined by age. We’ll calculate an accurate figure for your Manchester home during consultation.
No. Most schemes require existing mortgages be repaid from released funds. We’ll determine what remains available for your use.
It reduces your estate value. However, inheritance protection can guarantee a percentage. Many Manchester families prefer supporting relatives now rather than later.
The No Negative Equity Guarantee protects you. Even if your Manchester property value drops below the debt, you’ll never owe more than sale proceeds.
Yes, most modern plans are portable. You can typically transfer the mortgage to another suitable property in Manchester or elsewhere.
From initial meeting to receiving funds generally takes 8-12 weeks including valuation and legal work.
Not legally, but we strongly encourage family involvement as this affects potential inheritance. We welcome family at consultations.
None. The released funds are yours to use however you choose without restrictions.
