THE HUB for all your Equity needs

Into retirement we all dream of achieving goals that we have aspired to during our working life, maybe that is travelling or adding a conservatory to be able to enjoy the garden….

It might be that you have more practical needs and require alterations to your property due to health conditions. Whatever the reason is, you could find yourself in a position where you have all your money tied up in your home, you might not want to sell and downsize as you are settled in the area you live in and do not want to move away from your friends or relatives or face the added stress of moving.

Equity Release Schemes allow you to benefit from the equity that is tied up within your property. Equity Release enables people over the age of 55 to release tax free cash from the value of their home. The money can be withdrawn to suit your requirements & can be taken as a lump sum or by flexible withdrawals, or as additional income to supplement retirement lifestyle. In fact, you have the freedom to spend the Equity Release tax free cash on anything you wish.

A lifetime mortgage is a long term commitment which could accumulate interest and is secured against your home. Equity release is not right for everyone and may reduce the value of your estate.


  • You can stay in your home
  • Your home won’t be sold until you chose to sell it, the last legal owner dies or goes into long-term care.
  • Equity Release may reduce the value of the equity in your home.
  • You can spend the money you release on anything such as repaying your existing mortgage, a family gift maybe as a deposit to help your children onto the property ladder,  a holiday, home improvements or to help with your living costs.
  • You can choose when to take your money, you can take the full amount at the start of the plan or draw the funds as and when required, in sums as low as £2000 at a time.


  • Caroline has been exceptional, always helpful, always available. She has provided us with brilliant advice in all areas.

    Miss Sleaford & Mr Shores - 21/02/2017

  • Lisa was very approachable and knowledgeable, and took plenty of time to understand our relatively complex situation. She was proactive and available at all times to ensure as stress-free mortgage arrangement as we could imagine. Great service.

    Richard & Helen- 27/01/2017

  • I found the service that Lisa offered very efficient and professional. I liked how she was able to come to my house and organise everything that needed to be organised on my behalf. The fact that you contacted the solicitors for me made things very simple. I would recommend Lisa to anybody else looking to change their mortgage and will use her again in the future.

    Gemma - 02/11/2016

  • First class service - I had a complicated mortgage application and Lisa managed to help when another mortgage advisor failed. It was also my first mortgage and Lisa explained everything thoroughly and was very friendly and approachable, nothing was too much trouble. I would highly recommend, whether buying for the first time or re-mortgaging and have already passed on contact details to a friend.

    Sarah, Mansfield - 16/05/2016

  • Caroline Hall has been a very great asset during our recent equity transfer and purchase. Her flexible and creative thinking found an ideal solution to a potentially expensive or time consuming process. For this she demonstrated her excellent understanding of the rules surrounding equity transfers, stamp duty and the Forces Help To Buy scheme. Caroline was very reliable with all work and communications, being contactable and engaging with the lenders direct during both work and her own time. She was also quick to contact parties involved to keep the process moving, being especially supportive during the final 5 weeks whilst I was out of the country with work. She engaged with the solicitors and lenders, checked correspondence and documents for correctness during a very stressful time for us. She is definitely worth her fee and we have already recommended her to friends.

    Matt - 31/10/2016

  • Caroline Hall has given us trustworthy advice. She is very professional and knows what she is talking about. The service and support you get from her is extremely good. We would definitely recommend her to anyone and would use her again if needed.

    Mr & Mrs Walker, Lincoln - 22/06/2016

  • Thank you so much for all your help Caroline we couldn't have done it without you. As first time buyers the whole process has been made so much more bearable with the support of someone who has been knowledgeable and professional as well as friendly and genuine. This really helped us to feel comfortable and able ask away with all those silly things. Buying a house is something you have to do properly and really think about what you want and need. Caroline supported us throughout the whole process and offered us advice in order for us to make our decisions with no pressure. A source of knowledge and experience, who is always available for advice or to chase things up. Simply goes above and beyond to ensure everything is sorted out and is as it should be. Very pleased with this service and to have met someone as lovely as Caroline, well worth it. We would definitely recommend Carolines help.

    Natalie & Lewis - 20/07/2017

  • Darren offered a comprehensive and excellent service that met our mortgage needs. He was very efficient throughout the process and did his upmost to give us the deal that we required. We would both like to thank Darren for his time and effort throughout the process to make it as easy and stress free as possible.

    Carl & Leanne, Skegness- 24/04/2017

  • Darren at Your Mortgage Hub exceeded all of our expectations and continually went the extra mile for us to ensure that everything went so smoothly for our mortgage with no delays and no stress whatsoever for us. He was friendly and approachable, incredibly efficient and organised, and replied to any queries, day and night, and even whilst on holiday! We felt we understood the process fully all the way through and that no query was too big or too small for Darren to deal with. We would highly recommend Your Mortgage Hub time and time again.

    Julia & Simon - 09/11/2016

  • Darren provided an excellent service and found me a mortgage that perfectly fitted my needs. I will use him again and definitely recommend him to anyone looking for a mortgage.

    Mr & Mrs Wilson, Skegness- 28/02/2017

  • Caroline was such a help to us as first time buyers. She was patient, friendly & professional, and explained every step of the process from start to finish. We have, and would, recommend.

    Ric & Antonia -06/07/2017

  • Darren has provided us with a friendly & professional service throughout our mortgage application with clear & precise advice. We highly recommend his service for any financial advice and would not hesitate to use his services again. Smooth & stress free

    Steve & Tina Green, Spalding - 15/05/2017

  • Darren was brilliant from beginning to end, and even beyond. Always on hand to answer any questions or lay any concerns to rest, always responded promptly ensuring we were never left wondering for long. Will be recommending if any friends or family need an excellent adviser.

    Sam & Sophie, Peterborough - 30/07/2017

  • Darren was very quick and efficient at sorting out my Help to Buy and Mortgage. I had attempted to do myself and got myself in pickle, and he picked everything up straight away – within a week and a half I had Help to Buy approved and a Mortgage offer! Very grateful for the very prompt response and keeping me updated through every step.

    Leanne - 25/09/2017

  • Darren has been brilliant throughout the process, providing us with trustworthy advice and keeping us updated throughout. The service and support he has provided for us is commendable and we would recommend him to anyone, without hesitation.

    Karl & Farrah, Peterborough - 27/09/2017

  • Darren has gone above and beyond to source us a mortgage. Due to our circumstances, options were limited and we really thought we wouldn't be able to ever get one, but due to Darren's hard work & commitment to us, we're finally there and able to get our dream family home.

    Ashley Epton, Skegness- 25/08/2017

  • We were mortgaging an unconventional new-build house that seemed to unnerve conventional money lenders, and throughout a long-winded process that was at times somewhat fraught. Caroline was patient and persistent, and we were never in doubt that she would be able to achieve the result that we needed. We are very grateful for her dedication, her support and her exceptional knowledge of the market and can’t recommend her services highly enough.

    Mr & Mrs Hollis, Lincoln - 03/11/17

  • We dealt with Lisa Ridley for our mortgage. Having a number of reasons why our mortgage wasn’t straight forward we had been turned down by a number of mortgage advisors, as it was too difficult and we had all but given up before talking to Lisa. We were purchasing at a discount by the vendor, while being self employed with a part time job, on tax credits and having a gifted deposit we certainly didn’t make finding a mortgage provider easy. Lisa didn’t give up and found us a great deal. We have already recommended Lisa to our friends.

    Mr & Mrs B, Grantham - 05/12/17

  • Darren has been fantastic throughout my process of applying for a mortgage for my first house. His advice was spot on and the service and support has been exceptional. I would 100% recommend him to any prospective buyer. Thank you.

    Mr Cooper, Crowland - 20/12/2017

  • Darren provided a first class service in finding me my first mortgage. He kept me well informed throughout each stage of the process. He is friendly and very efficient replying to any query or concern very promptly. I would highly recommend him to anyone looking for a mortgage or financial advice.

    T Mack, Swineshead - 24/01/2018

  • Darren has been excellent throughout the whole process, taking lots of stress away from ourselves. Very professional and always only an email away no matter how small the question is! I would not hesitate in recommending him to anyone - 100% worth every penny.

    Max & Sophie, Crowland, Lincolnshire - 21/03/2018

  • Darren has been brilliant from the start of the process to the finish. Very prompt with all communication even when away on holiday! Thank you very much for all your help.

    Josh, Skegness - 04/01/2018

  • Darren Murphy has always put my interests first by giving sound and trustworthy advice. The service and support has always been exceptional. I would recommend him to anyone.

    Client, Lincolnshire - 25/03/2018

  • Excellent service, always replied quickly and kept us informed. Went above and beyond to get our re-mortgage through.

    Client, Lincolnshire - 15/05/2018

  • Your Mortgage Hub were incredibly helpful in finding a suitable mortgage deal. They were efficient, informative and worked tirelessly to find the best deal. An excellent service!

    J White, Spalding - 12/06/2018

  • Darren has been a massive help and has done everything for us. There is no way we could have coped without him.

    Carly & David, Skegness - 01/06/2018

  • Highly Recommended - Darren made sure we understood every step of the process and communication was excellent.

    Mr & Mrs Lord - 07/06/2018

  • Caroline's professional service and continuous support is beyond words. What we have found exceptional is that Caroline has put an extreme and prompt effort to understand our requirements and circumstances and in the end she has succeeded. Many thanks

    Mr & Mrs Erem - 15/06/2018

  • Darren provided a quick and thorough service, making the process as simple and stress free as possible. I would recommend him to anyone who wants an excellent, personalised advisor to help them through the process

    Miss Fuller - 25/07/2018

  • Darren has been an invaluable asset when buying my first property. His knowledge has been excellent and he has always given excellent advice. The service he has provided has been exceptional, and I wouldn't hesitate in recommending him to anyone!

    J Anderson - 08/08/2018

  • From our initial phone call we were put completely at ease by how personable yet professional Darren was. Throughout the entire process he has proven to be incredibly efficient, knowledgeable and helpful. Darren ensured that we understood each stage of the process clearly and he was available to answer any queries day or night, often going above and beyond to support us. We would like to thank Darren for assisting us so brilliantly. We are very glad that we got in touch and would definitely recommend him to anyone wanting the process to be as stress free as possible!

    Mr & Mrs Knight - 09/08/2018

  • Darren has been so helpful and has been clear and supportive throughout this whole process. He is so professional and we couldn't recommend him highly enough. Thank you so much!

    Georgia & Joe - Holbeach - 07/06/2018

  • Darren gave us impeccable advice from the start and always took our needs into consideration. He was always happy to answer any questions we had quickly and kept us updated all the way.

    Client - Lincolnshire 04/10/2018

  • I couldn't recommend Darren Murphy from Your Mortgage Hub highly enough. The first time I contacted him was around 9 months ago just after we had put our house on the market. We had found a new build we liked and asked Darren to help us with our new mortgage. Without taking any payment, he got to work on looking into potential mortgages that would fit, took all our financials and ran the numbers to give us an indication that we could afford. Darren answered many questions from me, whether it would be first thing in the morning, or late at night. He was very prompt and honest which was just what we needed. Once we had sold STC and found a house, Darren then took the updated information from us and contacted potential lenders within the same day so he had an idea of our position. We had an agreement in principle shortly afterwards and then the lender arranged for the valuation to be carried out, and within a day of that we had our mortgage offer. Darren was so helpful, very thorough and dedicated a lot of his time to getting our mortgage. Even though it took us nearly 9 months to sell and have somewhere to buy, he did not differ in the service offered and kept in contact.

    Charles & Katie - Spalding - 30/11/2018

Darren Murphy


07900 595281

Based in Skegness, Lincolnshire, with clients all over the UK. Great experience and expertise in New Build and Help To Buy scheme which I have been advising on since its launched in 2013 .

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Caroline Hall


07856 562568

Based in Lincoln, Lincolnshire; I have many years’ experience providing advice on all types of UK mortgages including First Time Buyers, remortgage and Buy To Let along with finance options for holiday

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Lisa Ridley


07976 744634

Based near Newark on Trent; I have over 25 years’ experience in financial services, working in Nottingham and the surrounding areas for the last 20 years having relocated from Surrey.

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