Equity Release South Wales
As equity release specialists in South Wales and all surrounding areas Elite Independent Mortgages can help you to enjoy your retirement and access money locked away in your property.
Equity Release South Wales – Norman Martell / Elite Independent Mortgages Ltd
We provide specialist equity release advice and cover all of South Wales from Porthcawl to Aberystwyth, Llandrindod Wells and all surrounding areas in between.
An equity release mortgage allows you to unlock the money tied up in your home, whilst retaining control of your affairs. The money can be used, if alternative means are not appropriate, for such matters as home improvements, helping family purchase a home, repaying debts, improving quality of life and much more. An equity release mortgage (also known as a Lifetime mortgage) allows you to remain in your own home.
We have the experience and knowledge to adopt a sensitive approach to a mortgage type that has advantages and disadvantages.
When you telephone, your call will be transferred to Norman or another qualified adviser if Norman is not available. If you email, then once again the email will be forwarded to Norman or initially an appropriate adviser.
We are open with you about cost and potential risks.
Equity release is a big financial commitment, so understanding what it would mean for you and your family is really important. We will ensure that you fully understand the implications of equity release. Independent legal advice is always recommended and a full fact find is undertaken to make sure that other financial resources such as use of investments and pensions may offer better alternatives as solutions for the financial objectives identified.
How Equity Release Can Help You?
Equity Release South Wales – About Norman Martell, B.Sc (Hons); AFPC; CeMap, CeRER
Elite Independent Mortgages Ltd was authorised in 2004 and I have been involved in Later Life lending for many years.
A member of the Equity Release Council, I enjoy helping customers, if possible, live the retirement they deserve. Helping customers fully understanding what is available through the Later Life lending market is part of this process.
I am married with 3 grown up children and have been involved in financial services for over 40 years.
Frequently Asked Questions
Contact Us Today! We're happy to help you with all your real estate needs.
We provide first-time buyer mortgages, remortgages, buy-to-let, and specialist options suited to your personal or business needs.
Usually between 5–10% of the property’s value, depending on your circumstances and the lender’s requirements.
Yes, remortgaging can save you money or release equity. We’ll compare offers and manage the entire process for you.
It’s an initial confirmation from a lender showing how much they’re likely to lend — helping you shop with confidence.
Most applications take 2–4 weeks for approval, depending on the lender and your documents.
Yes. We work with lenders who specialise in self-employed and contractor mortgages using your full financial history.
Your initial consultation is free, and any fees are clearly explained upfront — no hidden costs.