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About

Bob Ducker is a registered individual with Access Financial Services Ltd.
You will have seen that Bob has the Qualifications CeFA, CeMAP and CeRER after his name and these stand for: CeFA - Chartered Insurance Institutes Financial Planning Certificate, CeMAP - Chartered Institute of Banker Certificate in Mortgage Advice and Practice, CeRER - Institute of Financial Services Certificate in Regulated Equity Release (Inc Home Reversion Schemes) so you can be assured of Bob's experience, expertise and qualifications.

I have worked in Financial Services since 1980 and in that time I have helped thousands of very satisfied customers to buy their dream homes.

In 2007 when Equity Release was being revitalised, I realised that more and more people were retiring with much smaller pensions than they expected and because interest rates were low they were also not getting great returns on their investments or their annuities. However many of these people were living in nice properties with either small or no mortgages at all. So as the saying goes they are 'Property rich cash poor' and with the new regulations regarding Equity Release these people can now release some of those monies to enhance their lifestyle, clear any outstanding mortgages and debts, help their children or have those dream holidays. Yet stay in that home for the rest of their lives with NO mortgage repayments.

As an Independent Mortgage, Equity Release and Protection adviser with Access Financial Services Ltd I can research the entire Equity Release Market and source the most competitive deals and solutions for your Equity Release needs. Put simply, I want to assist you to enjoy your retirement whilst helping you save money wherever I can and you can be assured that our Broker fee's are among the most competitive on the market.

How does it work?

When you complete the contact details on this page I will telephone you for an initial friendly chat, I will then ascertain your needs and wants and answer any question you may have. From that discussion I will be able to get an idea of what you are looking for. I will ensure at that stage you qualify for Equity Release and discuss how it could work for you. I will then conduct a FREE no obligation consultation to complete a full analysis of your situation, explain how Equity Release works, check how it may affect any State benefits or your personal taxation and then tailor my advice to your specific needs.

I will explain the importance of using an independent mortgage adviser, I will also provide you with a full explanation of how Access Financial Services gets paid and I will fully explain all the fee's and charges before you make any decisons.

I will then research the entire Equity Release Market and source the deals that match your bespoke requirement and present them to you in order for you to make an 'advised' decision and then I complete all the required documentation for you to proceed. Usual timeframes are 4 - 6 weeks from initial chat to the monies being paid into your account.

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