About

Bower Retirement Services is regulated by the Financial Services Authority to provide confidential, specialist Equity Release advice.

In-depth Advice in Retirement

The level of service and advice provided by Bower Retirement Services is an in-depth one that stands apart from that of many other companies.

With Bower, you can rest assured that Equity Release is completely safe and if there is a suitable alternative to help you enjoy more cash in retirement, we will find it for you because part of our unique service involves an in-depth investigation into your situation resulting in an in depth report.

Why use Bower?

There are a number of advantages to using Bower Retirement Services for independent equity release advice:

  • Whole of Market Advice = Access to products from the entire Equity Release market
    Because we are independent and not tied to any one equity release provider, we can offer you products from the whole of the market place. This is of vital importance to you because it means we have access to the entire range of interest rates, set up costs and plan flexibility.
  • Independent Equity Release Advice = Ensuring Equity Release is right for YOU
    Equity release has brought financial freedom to thousands of retired homeowners. However, it may not be the right decision for everyone which is why taking the best quality, independent advice is imperative. At Bower, we go to great lengths to ensure equity release is the right avenue to take and we will always suggest alternatives where these are viable.
  • Equity Release Specialists = the Very Best Advice
    Bower Retirement Services only deal with Equity Release. All of our advisers are specialists in equity release, leading to the very best, in depth advice.
  • FSA Regulated = Code of Conduct
    Because we are directly regulated by the Financial Services Authority (FSA), you are afforded the peace of mind that we adhere to the FSA’s Code of Conduct.
  • Safe Home Income Plans = No Negative Equity Guarantee
    We recommend Safe Home Income Plans (SHIP) regulated equity release schemes or others which come with a set of guarantees that act to protect your financial future. You can read more about this on our Financial Safety page.
  • Complete Transparency = No Surprises
    We believe in being completely upfront with both our advice, and the way we charge you for that advice. You will find our equity release advice and recommendation service exceptionally in depth and detailed. Our initial consultation is free of charge and without obligation during which we will address all of your questions and clearly explain the costs involved in releasing cash from your home. Because we are independent you can choose how we get paid. This can either be a fee of £395 for the production of your Financial Planning and Recommendation report and a fee of £2,947. Any commission we receive from the lender will be reimbursed to you. Alternatively, a fee £395 for the production of your Financial Planning and Recommendation report and a fee of £1,447 which is only payable when you receive your cash and is usually taken from the funds released. We will also be paid commission by the company that lends you money. If you decide not to go ahead after the free initial consultation, there will be no fee charged.