Richard Baxter

Areas Richard covers: England and Wales

Equity Release, Wills and Estate Planning

Richard has over 30 years’ experience in Financial Services. After a career starting in Stockbroking he has worked in various aspects of financial services including pensions, mortgages, business development and latterly a Later Life Lending specialist.

Richard likes helping people celebrate and enjoy their retirement and their later years particularly when he can obtain them more financial freedom. Richard has vast experience of the financial services industry and his main priority is to ensure all his customers get the best outcome.

Yorkshire born and bred, married with a daughter Richard is a keen supporter of Real Ale and Huddersfield Town. The lockdown era has given him a new vocation - home brewing, which as he admits himself is ‘saving ‘is sen a fortune’.

The Equity Release Experts make sure you have a local, independent expert equity release adviser on-hand whenever you need one. By meeting your local adviser either face-to-face, over the phone or via video, they can understand what’s important to you and give you the equity release advice that’s right for your circumstances. They will compare plans from across the whole equity release market, ensuring they always find the one that is most suitable for your needs. Their in-depth knowledge of products and features from across the whole equity release market will help make sure you’re making the right decision for you.

Totally independent you’re always guaranteed advice that’s straightforward and tailored to you – nothing else.

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Prefer a Phone Call?

Call Richard on 07875 424061

Things to consider

  • An expert adviser can discuss your needs over the phone and explain more about equity release. They’ll always tell you if equity release isn’t right for you and there’s absolutely no obligation to go ahead. If you do decide to go ahead, our usual advice fee of 1.99% of the amount released, subject to a minimum of £1,499, is only payable upon completion.
  • We understand equity release isn’t for everyone, and we’ll never say it’s the right option for you unless we’re certain.
  • A lifetime mortgage is a loan secured against your property and the loan plus roll-up interest is repaid when your plan comes to an end. Usually, that’s when you, or the last-remaining applicant, either passes away or moves into long-term care. With a lifetime mortgage you’ll still retain full ownership of your home and there are typically no monthly repayments. You should always think carefully before securing a loan against your home.
  • Equity release reduces the value of your estate, may also affect any means-tested benefits that you're eligible for, and may affect your tax position.