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Download our free impartial guide to Equity Release Here Releaseequityrelease\Unlockingcapitalfromyourhome.pdf


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Specialist Equity Release Advice

Provided by Mortgage Concepts Associates Ltd

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www.mortgages-equityrelease.co.uk and MCAL Equity Release are trading styles of Mortgage Concepts Associates Ltd. 40 Berners Street, London W1T 3NA
Registered office, 66 Spring Cross, New Ash Green, Longfield, Kent DA3 8QQ. Registered in England & Wales no 05694058.
Mortgage Concepts Associates Limited is an appointed representative of Validpath Limited which is authorised and regulated by the Financial Conduct Authority.
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Lifetime Mortgages - This is a lifetime mortgage. To understand the features and risks, ask for personalised illustration.


An Equity Release Mortgage is available to the over 55’s (depending on lender) and is a way of releasing the equity built up in your property. This could be for a variety of reasons and can include.

Click here for more

These are some of the main characteristics of a lifetime mortgage

There are many advantages and disadvantages  in taking out an Equity Release mortgage and these should be considered. Click here for more

You will have many questions about equity release schemes like

“What if I want to move or repay some of the capital?”

You can either contact us, use the form on the page or visit our FAQ page. Needless to say, Mortgage-EquityRelease are one of the best suppliers of lifetime mortgage solutions.


Mortgage Concepts Associates Ltd is a Mortgage Brokerage based in Central London and was founded in 2006 by our Director, Mike Richards.

Mike Richards, Director of Mortgage Concepts Associates LTD

Mike has over 30 years of experience in the mortgage field and has been advising on lifetime mortgage solutions for equity release for over 10 years.

Our offices are in Central London and we have a network of advisers who can cover the whole of the UK. We offer a very personal service and will help you through every aspect of the advice and application process.


We do not charge fees and we are paid a fee by the lender. You will receive an illustration for the plan you are interested in.

Specialist for Lifetime Mortgage Solutions

MCAL Equity Release provides lifetime mortgage solutions on equity release schemes including lifetime mortgages and home reversion schemes. We have over 10 years of experience in providing specialist lifetime mortgage solutions on equity release schemes and are here to help you.

We are based in Central London but have qualified and highly experienced advisers covering the whole of the United Kingdom .

Lifetime Mortgages | Mortgages-EquityRelease

Recently introduced scheme allows you to make full or partial monthly payments to our lifetime mortgage solutions package which means that the debt will not rise as quickly.

Click on the link to find out more about interest only lifetime mortgages.

Interest Only Lifetime Mortgage



Innovative Lifetime Mortgage  based on pension income in retirement and not age.

Click on the link to find out more about retirement mortgages.

Retirement Mortgage