North London's Later Life Lending Specialist

Your home.
Your retirement.
Your choice.

Independent, whole-of-market advice on equity release, retirement interest only mortgages, and later life lending — from an adviser who genuinely takes the time to understand your situation.

Book a Free Consultation Explore Your Options
Equity Release Council Member
FCA Regulated Advice
No obligation. No pressure.

Could a Retirement Interest Only mortgage save you money? With current interest rates, an RIO mortgage may suit you better than a lifetime mortgage.

Compare your options →

What We Offer

Three ways to unlock
the value in your home

As an independent whole-of-market adviser, I compare every suitable option — not just what one lender offers.

Most popular

Equity Release

Release a tax-free lump sum or regular income from your home with no monthly repayments required. Available from age 55, with lifetime tenancy guaranteed.

Learn more Smart alternative

RIO Mortgage

Retirement Interest Only

Pay only the interest each month. No repayment term. The loan is repaid when you sell, move into care, or pass away. Often lower cost than equity release in today's market.

Learn more

Ages 50–75

Later Life Mortgage

A standard capital repayment mortgage designed for older borrowers, extending well into retirement. Ideal if you have pension income and want to keep building equity.

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About Your Adviser

Why families across
North London trust Roshan

With over 20 years in financial services and a specialism in later life lending since 2018, Roshan brings rare depth of knowledge to one of the most important financial decisions you will ever make.

20+
Years in financial services
3
Professional qualifications
∞
Whole of market access
£0
Initial consultation fee
Equity Release Council member

Every recommendation meets the Council's strict consumer protection standards, including the no-negative-equity guarantee and the right to remain in your home for life.

Unhurried, independent advice

I work for you, not a lender. There is no pressure, no sales targets, and no rush. We take the time to explore all your options — including doing nothing.

Family included in the conversation

I encourage adult children and trusted family members to join our meetings. These are decisions that affect the whole family, and everyone's questions deserve an answer.

Whole of market — truly independent

Access to Aviva, Legal & General, LV=, Canada Life, Just, Royal London, More2Life, and all major later life lenders. The best deal, not the available deal.

How It Works

Simple, unhurried,
and always at your pace

Free initial call

A relaxed 30-minute conversation to understand your situation, goals, and concerns. No jargon, no pressure.

Research & comparison

I search the whole market to find the most suitable options for your circumstances — and explain each one clearly.

Formal recommendation

A written suitability report setting out exactly what I recommend and why — in plain English you can share with family.

Application & completion

I handle the application from start to finish, liaising with the lender and solicitors so the process is as smooth as possible.

Client Stories

What clients say

★★★★★
"Roshan took the time to explain everything in a way we could actually understand. He involved our daughter in the meetings, which meant the world to us. We never felt rushed."
Margaret & David T. North Finchley — Equity Release client
★★★★★
"I came expecting equity release, but Roshan showed me a Retirement Interest Only mortgage that cost me significantly less each year. That honest advice saved my family a great deal of money."
Patricia H. Barnet — RIO mortgage client
★★★★★
"After being turned away by two high street banks because of my age, Roshan found a lender willing to help within days. Professional, thorough, and genuinely kind."
Kenneth R. Enfield — Later Life Mortgage client

Get In Touch

Book your free
consultation today

There is no cost and no obligation. Just a friendly, confidential conversation about your options.

Email
roshan@equityreleasehub.co.uk
Phone
07543 169733
Area served
North London & Nationwide

By submitting this form you agree to be contacted by Roshan Percy at Equity Release Hub Limited. Your data will never be sold or shared with third parties.

Ready to begin?

Start with a conversation,
not a commitment

Your first consultation is completely free and without obligation. We can meet in person, by video call, or by phone — whatever suits you best.

Book Free Consultation Call us now
FCA Regulated Equity Release Council CeMAP Qualified CeRER Qualified Whole of Market

This website is operated by Equity Release Hub Limited for lead generation purposes only. It does not constitute financial advice. Any enquiry submitted will be responded to by Roshan Percy, a qualified later life lending adviser. Roshan Percy personal FCA reference: RPW01085.

Equity release is a lifetime mortgage or home reversion plan. To understand the features and risks, please ask for a personalised illustration. Equity release will reduce the value of your estate and may affect your entitlement to means-tested benefits. Your home may be repossessed if you do not keep up repayments on a retirement interest only or later life mortgage.

Equity Release Hub Limited. Registered in England & Wales. Registered office: 12 Batley Road, Enfield, Middlesex, EN2 0JG.