Simon Coyne

As a whole‑of‑market equity release and lifetime mortgage adviser based in Cheshire, I provide clear, impartial later‑life lending advice to homeowners aged 55 and over across the UK.

My aim is to help you understand your options with confidence, so you can make informed decisions about your retirement. I’ve worked in financial services since 1998 and have been advising clients since 1999. During that time I’ve held roles at Lloyds Bank, leading independent adviser firms, large‑scale businesses such as Freedom Finance, and a FTSE 100 wealth manager. This breadth of experience means I genuinely understand how varied people’s financial situations can be, and how important it is to receive advice that feels patient, transparent and tailored to your needs.

I first explored the equity release market in 2005, but when I returned to specialise in later‑life lending in 2016, the level of product innovation had transformed what was possible for clients. That progress is why I now focus exclusively on equity release and lifetime mortgage advice for clients across Cheshire, Greater Manchester, Merseyside, Lancashire and the wider UK.

My approach is straightforward: transparent, whole‑of‑market advice delivered in plain English. A lifetime mortgage or equity release plan is one of the most significant financial decisions you’ll make, and you deserve a fully qualified adviser who ensures you feel informed, supported and in control at every stage. There is no pressure and no such thing as a silly question.

I also have extensive experience with complex equity release and lifetime mortgage cases — from unusual properties to more intricate financial circumstances. Whether your situation is straightforward or more involved, I’ll guide you through your options clearly and calmly. Many clients tell me they wish they’d reached out sooner — my goal is to make the process feel reassuring and unhurried from start to finish.

Based in Cheshire, I provide whole‑of‑market equity release and lifetime mortgage advice to people in later life across the UK, helping you make confident, well‑informed decisions about your retirement finances. If you’re considering equity release or a lifetime mortgage, you’re welcome to get in touch for a relaxed, informative chat about your options.