What to do when your title deeds have been lost or destroyed
If your house has not been sold or mortgaged since December 1990, there is a chance it will not be
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We match a member of the team with the right expertise to every client, who will invest time getting to know you, who will look after your interests and ensure you have access to the whole firm when you need it.
The legal and financial matters might be complex, but we aim to keep things straightforward and explain everything in terms that are relevant to you.
The first step for our equity release team is to help you decide whether equity release is right for you. If it is, then we’ll guide you towards a plan that best suits your needs, with financial and legal advice to make sure you fully understand all the risks and benefits.
Our equity release specialists will get involved in the process once your lender has made a formal offer. We will then guide you through each stage, which may involve buying or selling your house or transferring an existing scheme to another property. We’ll ensure all the paperwork and legal formalities are correct and arrange a completion date with your lender, ensuring the transfer of money into your bank account.
Equity release is complex, and if you take out a plan, make sure it’s with a lender approved by the Equity Release Council. Our equity release advisers are all members including key contacts; Toni Chalmers-Smith and Jo Buck-Marshall.
Equity release is a specialist type of mortgage, provided mainly for people over 55, which uses the equity tied up in your property. Whether you want to help family members with school fees, or get them onto the property ladder, move to a larger property yourself, pay off debt or simply have more readily available cash for a better lifestyle, equity release is a means of doing this.
If you’d like to meet one of our experts for a confidential, no obligation chat, please get in touch.
We have offices across Cambridgeshire, Essex and Hertfordshire, but we can help you wherever you are in England and Wales.
Tees Law boasts a team of solicitors with deep expertise in various legal fields. This multi-disciplinary approach allows the firm to provide comprehensive solutions tailored to client needs.
If your house has not been sold or mortgaged since December 1990, there is a chance it will not be
Selling your home is a significant decision which deserves careful planning and preparation to ensure the process is as smooth
Buying or selling a house can be an exciting process but we understand there is a great deal of terminology
Stamp Duty Land Tax (SDLT) is a critical tax levied on property purchases. As we approach April 2025, notable changes
This varies based on your circumstances, age, property value and plan chosen.
For initial lending there are arrangement, solicitor and advice fees. For further lending valuation fees may apply.
No, any cash released is tax free.
Depending on your personal circumstances, these could be affected so please discuss matters with your equity release adviser.
Yes, there are restrictions on some types of property that may be eligible for a lifetime mortgage.
Yes, and you live there until you move into long-term care or pass away.
With a portable plan, you can take the plan with you if you move. Please note, there are restrictions on the types of property that may be eligible for a lifetime mortgage.
Some plans allow you to repay the whole loan and interest – please note there may be an early repayment charge which can be expensive.
Some plans allow you to repay the whole loan and interest – please note there may be an early repayment charge which can be expensive.
This varies based on your circumstances, age, property value, and plan chosen.
Although a lifetime mortgage reduces your home value, any remaining money left in your property will be left to your estate.
You or your solicitor will sell the house if you go into long-term care, or if you pass away by the person who is looking after your estate.
This material is for informational purposes only and does not constitute an offer or solicitation for the purchase or sale of any financial instrument. It is not intended as accounting, legal, tax, or investment advice. Past performance is not indicative of future results, and all investments carry risks, including the potential loss of capital.
Tees is a trading name of Tees Financial Limited, authorised and regulated by the Financial Conduct Authority (FCA), Registered number 211314, and registered in England and Wales (Company number 4342506).
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