Ask how much you can borrow

Why not use our simple form to request an estimate of how much you can borrow?

Meet Kevin Woods
Watch video
Hear from one of Kevin's clients
Watch video
What can you use Equity Release for?
Financial Security
What can you use Equity Release for?
Holiday
What can you use Equity Release for?
Home Improvements

Perhaps you would like to fund home improvements or that dream holiday. Maybe you need cash to supplement your income, pay off debts or to help your children onto the property ladder. Equity Release can be the route to all of these financial goals, as it unlocks the money currently tied up in your property. We would be happy to discuss your situation in confidence, and without charge or obligation of any kind.

Kevin Woods is the Company Director of Smart Choice Equity Release, which is a trading style of One Stop 4 Equity Release Limited who provide independent whole of market advice.

See how much you can borrow

What can you use Equity Release for?

See all uses for Equity Release

Keep in touch!

Sign up for emails on the latest news, updates and offers on our growing range of products and services.

Testimonials

See all Customer Testimonials

“When we decided to switch equity release plans to another provider we had no hesitation in again relying upon Kevin’s excellent professional services as he had previously advised us so proficiently. As expected, he was thorough and expeditious throughout and got us the best deal. We would highly commend Kevin to anyone considering an equity release plan”

Dr and Mrs P

“Working with Kevin and Samantha has been such a positive experience. They were approachable and completely professional throughout the whole process. They were not at all fazed by any of the hurdles we faced along the way in securing the right ER product, especially in the current volatile economic climate.”

Ms JM and Ms MC

“'I was thoroughly pleased with the service I received from Kevin. He was efficient and informative, and the money was released a lot more quickly than I had expected. On the whole I was very pleased with everything.' ”

A gentleman from Hampshire

“Kevin was really very helpful and we were very happy with the service he provided. Kevin is very approachable and easy to talk to and he explained everything so clearly to us. He is patient, kind and just a down to earth person to work with. We would definitely recommend him to anyone else who wanted to release equity from their home too.”

A couple from Hampshire

“Kevin provided a high level of professionalism and expertise. He was helpful and clear and true to his word. He did not give empty promises and if he said he was going to do something, he did it. He tried very hard to process my application as quickly as he possibly could but never promised what he couldn’t deliver. I was really very impressed. ”

Mrs Taylor

“When we decided to switch equity release plans to another provider we had no hesitation in again relying upon Kevin’s excellent professional services as he had previously advised us so proficiently. As expected, he was thorough and expeditious throughout and got us the best deal. We would highly commend Kevin to anyone considering an equity release plan”

Dr and Mrs P

“Kevin provided a high level of professionalism and expertise. He was helpful and clear and true to his word. He did not give empty promises and if he said he was going to do something, he did it. He tried very hard to process my application as quickly as he possibly could but never promised what he couldn’t deliver. I was really very impressed. ”

Mrs Taylor

“Kevin was brilliant to work with; very professional and thorough throughout.”

Mr Hatcher

“I wouldn't go anywhere else! Kevin was so good with my first Equity Release that there was no doubt I would use him when I needed to do it again. He is so honest and trustworthy and you really know you are in safe hands with Kevin. ”

Mrs Quincey, Dorset

Testimonials

See all Customer Testimonials

“'I was thoroughly pleased with the service I received from Kevin. He was efficient and informative, and the money was released a lot more quickly than I had expected. On the whole I was very pleased with everything.' ”

A gentleman from Hampshire

““Hi Kevin, I am now settled in my new bungalow and can't thank you enough for the great deal you negotiated on my behalf. I honestly believe my purchase of this lovely bungalow would not have happened without you. Again my grateful thanks. ”

Carole Willison, Bournemouth

“I would have no hesitation in recommending Kevin, and his team, to anyone thinking of going down the Equity Release road, as I did. First class service all round!”

Mr V

“Kevin was really very helpful and we were very happy with the service he provided. Kevin is very approachable and easy to talk to and he explained everything so clearly to us. He is patient, kind and just a down to earth person to work with. We would definitely recommend him to anyone else who wanted to release equity from their home too.”

A couple from Hampshire

“Working with Kevin and Samantha has been such a positive experience. They were approachable and completely professional throughout the whole process. They were not at all fazed by any of the hurdles we faced along the way in securing the right ER product, especially in the current volatile economic climate.”

Ms JM and Ms MC

“There were no problems working with Kevin from start to finish. He communicated well with us in all the appointments and gave clear feedback throughout the whole process. We were very happy with the service we received from Kevin and I am so pleased that my research in finding him proved him to be everything that we expected.”

Mrs F

“Kevin was really very helpful and we were very happy with the service he provided. Kevin is very approachable and easy to talk to and he explained everything so clearly to us. He is patient, kind and just a down to earth person to work with. We would definitely recommend him to anyone else who wanted to release equity from their home too.”

A couple from Hampshire

“When we decided to switch equity release plans to another provider we had no hesitation in again relying upon Kevin’s excellent professional services as he had previously advised us so proficiently. As expected, he was thorough and expeditious throughout and got us the best deal. We would highly commend Kevin to anyone considering an equity release plan”

Dr and Mrs P

Testimonials

See all Customer Testimonials

“'I was thoroughly pleased with the service I received from Kevin. He was efficient and informative, and the money was released a lot more quickly than I had expected. On the whole I was very pleased with everything.' ”

A gentleman from Hampshire

“Kevin was really very helpful and we were very happy with the service he provided. Kevin is very approachable and easy to talk to and he explained everything so clearly to us. He is patient, kind and just a down to earth person to work with. We would definitely recommend him to anyone else who wanted to release equity from their home too.”

A couple from Hampshire

“Everything went smoothly and Kevin kept me updated the whole way which I very much appreciated. I was very happy with everything he did for me.”

Carol, Hampshire

““Hi Kevin, I am now settled in my new bungalow and can't thank you enough for the great deal you negotiated on my behalf. I honestly believe my purchase of this lovely bungalow would not have happened without you. Again my grateful thanks. ”

Carole Willison, Bournemouth

“Working with Kevin and Samantha has been such a positive experience. They were approachable and completely professional throughout the whole process. They were not at all fazed by any of the hurdles we faced along the way in securing the right ER product, especially in the current volatile economic climate.”

Ms JM and Ms MC

“I would have no hesitation in recommending Kevin, and his team, to anyone thinking of going down the Equity Release road, as I did. First class service all round!”

Mr V

“Kevin was brilliant to work with; very professional and thorough throughout.”

Mr Hatcher

“When we decided to switch equity release plans to another provider we had no hesitation in again relying upon Kevin’s excellent professional services as he had previously advised us so proficiently. As expected, he was thorough and expeditious throughout and got us the best deal. We would highly commend Kevin to anyone considering an equity release plan”

Dr and Mrs P

“If you are looking for the consummate professional with complete integrity and the most pleasant approach; look no further than Kevin. We are so grateful to you Kevin; what a change to our lives. How good is it to feel secure.....marvellous! Nothing is too much trouble for Kevin, he covered every base and did so in plain English with no complexity. I unreservedly recommend Kevin.”

Jon Thew

“We are more than pleased with the level of service given by Kevin. He was professional, friendly and understanding of our needs. At no time were we under any pressure to accept his recommendations. We would have no hesitation in highly recommending Kevin to anyone considering Equity Release.”

Pauline and Michael

What is Equity Release?

Equity Release could be the ideal, tax-free solution for those of us who are cash-poor but property-rich. Equity Release involves unlocking some of the tax-free cash that is tied up in your property, which you can spend in a variety of ways.

Find out more

Why use Smart Choice Equity Release?

There are many Equity Release experts out there, so why should you consider talking to us as opposed to anyone else? The first thing we would say is, please do talk to someone! It is so important to identify firstly whether Equity Release is right for you, and secondly, which plan will work for your circumstances and your future.

Find out more

See how much you can borrow

For a guide to the maximum amount you could potentially release from your home, why not ask us now? Totally without obligation, this service gives you an indication of the amount of money that could be available based solely upon the value of your property. The actual amount will also be dependent upon your lifestyle (or age of the youngest homeowner) and your health situation.

Find out more

Case Studies

See more Case Studies

Family Matters

A couple in Winchester were financially comfortable but worried about their children’s future. Their resources were just enough to cover their own needs. We demonstrated how equity release could unlock funds tied up in their property, enabling them to support their children without compromising their own lifestyle.

Freedom to Care

A woman in Romsey longed to give up work to care for her husband, who has Alzheimer’s, but their finances wouldn’t allow it. By using equity release, she was able to retire and devote her time to looking after him, secure in the knowledge that their finances were stable and their home remained protected.

Dreams Come True

A couple in Southampton had never visited their son’s family in Australia and had not yet met one of their grandchildren. They were overjoyed when we showed them how equity release could fund an extended holiday down under and provide the means to build the conservatory they had always dreamed of enjoying during their retirement.

Latest Blog Post

See all Blog Posts

How to release the equity in your property

4th October 2023

Use the value that has built up in your home over the years and fund a wealth of new experiences!

Providers include

Equity release will reduce the value of your estate and may also affect your entitlement to means-tested benefits. You should always think carefully before securing a loan against your home.

Unless you decide to go ahead with a plan, our service is completely free of charge, as our fixed advice fee of £1,295 is only payable on completion of a plan.

A lifetime mortgage is the most popular form of equity release, and is a loan secured against your home that’s typically repaid when you pass away or go into long-term care.