Equity Release

Unlock the Value of Your Home

If you’re a homeowner aged 55 or over, equity release could give you the financial freedom to enjoy retirement on your terms. Whether you’re looking to boost your income, fund home improvements, support family members, or simply make life a little more comfortable, equity release allows you to access some of the money tied up in your home—without having to move.

"We help people aged 55 and over make informed later-life lending decisions that support financial stability, independence, and the ability to remain in their home for life.

With 19 years’ experience as a regulated mortgage adviser and over 6 years as a qualified later-life adviser, our mission is to provide clear, trustworthy guidance—particularly for those who may be vulnerable—so every decision is made with confidence, understanding, and peace of mind.

We believe later-life planning should never be rushed or taken in isolation. Where appropriate, we actively encourage open discussions with family members to ensure inheritance considerations are fully understood and that solutions work not only for today, but for the generations that follow.

Our advice always puts people—not products—first."

Lifetime Mortgage is only applicable to those 55 and over, and it could affect eligibility to state means-tested benefits and the inheritance you may leave. To understand the features and risks, ask for a personalised illustration.

Equity release includes Lifetime Mortgages and Home Reversion Schemes. We can advise and arrange Lifetime Mortgages and will refer to an approved specialist for Home Reversion schemes.

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Equity Release
FAQ

What Is Equity Release?

Equity release lets homeowners aged 55+ access tax-free cash from the value of their home, without having to move. The money can be taken as a lump sum, in smaller withdrawals, or a combination of both.

Am I eligible for equity release?

You may qualify if:

You are 55 or older (age requirements vary by product).
You own a UK property in good condition.
Your property meets the provider’s valuation criteria.

A full assessment is needed to confirm eligibility.

Will I still own my home?

With a lifetime mortgage, yes—you retain full ownership.
With a home reversion plan, you sell part or all of your home to the provider but continue to live there rent-free for life.

Do I have to make monthly repayments?

No. Most lifetime mortgages allow interest to roll up, meaning you don’t make monthly repayments unless you choose to. The loan is repaid when the property is sold after you pass away or move into long-term care.

How much can I release?

The amount depends on your age, property value, and health. Generally, the older you are, the more you can release. Enhanced plans may allow you to release more if you have certain medical conditions.

Will equity release affect my benefits?

It can. Taking cash from your home may impact entitlement to means-tested benefits such as Pension Credit or Council Tax Support. An adviser will assess any implications before you proceed.

Are there risks with equity release?

As with any financial product, there are considerations:

Your estate will be reduced, affecting inheritance.
Early repayment charges may apply.
Its a loan secured on your home with no need to make monthly payments. Interest continues to compound and the outstanding balance can grow quickly until the lifetime mortgage is repaid.

Providers who follow Equity Release Council standards offer safeguards like the no-negative-equity guarantee.

Can I move home after taking equity release?

Yes. Many plans are portable, meaning you can move to another suitable property and transfer your plan, subject to provider approval.

What can I use the money for?

Almost anything, including:

Home improvements
Paying off an existing mortgage
Supplementing retirement income
Helping family members - if you give away money the recipient may have to pay inheritance tax in the future
Funding travel or lifestyle goals

Will my family still inherit something?

Yes, if the property value exceeds the loan and interest on repayment. Some plans allow you to ring-fence a portion of your home’s value to protect inheritance but this reduces the amount you can borrow.

Why Choose Us?

There are many considerations when choosing someone to help you with your mortgage. Getting it right could save you thousands. During our initial consultation we will go through the process together and assess your needs. We offer a comprehensive range of products from across the market, which means we aren't limited to a smaller selection of products and can choose from many available lenders.

20 Years Experience

Our wealth of experience across the industry means our knowledgeable advisors can provide a high level service.

Comprehensive Market Access

You won't be missing out on any great deals. We can access all of the mortgage products which are currently available and know how to find you the most suitable deal.