Elsby Associates is a Mortgage & Protection Brokers based in Newcastle Staffordshire. However, we have clients all over the UK as we can have meetings with you by telephone or zoom. An equity release product will reduce the value of your estate, and may affect your entitlement to means-tested benefits and tax status. We are also members of the Equity Release Council and only deal with Lenders for Equity Release / Lifetime mortgages who adhere to their rules. This firm charges a fee for mortgage advice. The amount of the fee will depend upon your needs and circumstances. This will be discussed and agreed with you at the earliest opportunity. Your home may be repossessed if you do not keep up repayments on your mortgage.