Equity Release Adviser in Leeds: Clear, Independent Guidance from Romany Youell
If you’re over 55, living in Leeds, and thinking about how to make the most of your home in later life, you may have come across the term “equity release”. But what does it really mean? And more importantly — is it the right option for you?
As an independent, whole of market equity release adviser based in Yorkshire, I’m here to help you explore your options clearly, calmly, and without pressure. My name is Romany Youell, and I founded The Finance Woman to make financial advice straightforward and human — no confusing jargon, and no pushy sales.
Here’s what you need to know about equity release and how I support people across Leeds in making confident, informed decisions.
Equity release will reduce the value of your estate and can affect your eligibility for means tested benefits
What Is Equity Release? A Simple Explanation
Equity release is a way for homeowners aged 55 and over to access some of the money tied up in their property — without having to sell it or move out. This money is often referred to as tax-free cash or a tax-free lump sum.
There are two main types:
- Lifetime mortgage – You borrow money secured against your home, but you retain ownership. This can include drawdown lifetime mortgages and interest-only plans with flexible ad-hoc payments.
- Home reversion schemes – You sell a share of your home to a provider in exchange for a lump sum or regular payments.
The money released can be used for any personal aspirations — from home improvements to boosting pension income, or helping children with deposits or a buy-to-let investment portfolio.
However, equity release is not suitable for everyone. It can affect your means-tested benefits, your estate, and your options for future borrowing. Always speak to an FCA regulated adviser before deciding.
Why Speak to a Local Equity Release Adviser in Leeds?
Working with a Leeds equity release specialist means you’re getting advice that’s not only tailored to your needs but also grounded in local market knowledge. From city flats to properties in Roundhay or Chapel Allerton, local insight matters.
At The Finance Woman, I offer whole of market mortgage advice, meaning I’m not tied to any single provider or lender. I help you access the most suitable deals, not just the most available ones.
Meet Romany Youell: Independent Advice That Puts You First
I started my career in finance at 16 and became the UK’s youngest qualified financial adviser by 18. Over the years, I’ve seen how traditional advice can leave people feeling lost in jargon. That’s why I created The Finance Woman — to provide honest, clear, and client-centred financial guidance.
I work with clients across Leeds and the surrounding areas, offering advice that aligns with your goals, values, and financial situation. Every case is handled with care, and I often involve case managers and dedicated support where needed.
As a proud member of The Openwork Partnership, my clients benefit from robust compliance, regulatory oversight, and access to industry-leading solutions.
Is Equity Release Right for You? What to Consider
Equity release can offer financial freedom, but it’s not the only option. We’ll review:
- Whether a Retirement Interest Only Mortgage (RIO) or standard interest-only mortgage suits your situation
- Impact on state benefits or your eligibility for future borrowing
- Potential implications for future inheritance planning
- Whether you’d prefer lump sum, monthly payments, or flexible access
- If keeping a second or holiday home is a priority
You’ll receive a personalised recommendation and a transparent discussion about any advice fee, interest rates, and your rights under the Financial Ombudsman Service and Financial Services Compensation Scheme.
How The Finance Woman Supports You
- Initial 1-hour meeting (free and no obligation)
- Full review of your situation and goals
- Access to FCA regulated equity release providers, including lenders like Bower Home Finance and Christopher South
- Guidance on Mortgage Solutions, products, and plan features
- Ongoing customer support, including your own case manager and follow-ups
- Use of tools such as an equity release calculator to help you make sense of figures
All work is carried out in line with strict compliance procedures and the treatment of customers expected by our regulatory body.
Common Questions Clients Ask
Can I still move house later?
Yes. Most modern plans are portable, so you can move if the new property meets lender criteria.
Will I still own my home?
Yes, if you choose a lifetime mortgage. With home reversion, you sell part of your property.
Can I make monthly interest payments?
Some plans allow voluntary or regular interest payments to manage the loan size.
Will it affect my benefits?
Yes, releasing cash may impact means-tested benefits. I’ll guide you on how to check this properly.
Is the process private and secure?
Absolutely. We always follow a strict privacy policy and all communications are confidential.
Next Steps: What Happens When You Get in Touch
The process begins with a simple contact form or email address request on the website. We’ll arrange a free chat to understand your needs and explain how equity release might help.
If you choose to proceed, I’ll guide you through the paperwork, liaise with mortgage lenders and solicitors, and ensure everything is clear and at your pace. Feedback from clients consistently highlights our customer service, transparency, and results.
I also list my services in selected online directories, helping more people in Leeds find trusted, local, later-life advice.
FAQs
What is the difference between equity release and Retirement Interest Only Mortgages?
RIOs require monthly interest payments, while equity release often doesn’t. Both are regulated and have pros and cons.
How do I find an FCA regulated adviser?
You can verify my status and others through the Financial Conduct Authority register or ask directly.
Can I still get help if I already have a mortgage?
Yes. Many equity release plans allow repayment of an existing mortgage as part of the process.
Do you work with mortgage brokers or financial advisors?
Yes. I collaborate with local mortgage brokers, estate planners, and financial advisors when needed for comprehensive retirement planning.
Let’s Talk
Get in touch for a free, no-obligation consultation with me — Romany Youell — and explore if equity release is right for you.
Visit www.thefinancewoman.co.uk and fill in the contact form. Whether it’s equity release, later life lending, or later life retirement planning, I’m here to offer practical, local advice that puts your needs first.
