Equity Release
Unlock the Value in Your Home — Without Moving Out
If you're 55 or over and looking to access some of the wealth tied up in your property, equity release could help you boost your retirement income, help family, or fund the lifestyle you want — all while continuing to live in your home.
Tell us your requirements
Book a free, no-obligation initial call with one of our advisers. Tell us about your property, your goals, and what you're hoping to achieve — whether that's releasing a lump sum, arranging a regular income, or exploring your options for the future.
We compare plans from across the market, including lifetime mortgages and home reversion plans, to find the options that genuinely suit your circumstances. You'll receive clear, jargon-free illustrations so you can see exactly what's on the table.
If you decide to go ahead, we manage the application from start to finish, liaising with lenders, solicitors, and any other parties involved. We're on hand for questions before, during, and after completion.
EQUITY RELEASE
What is Equity Release?
Equity release lets homeowners aged 55+ access some of the equity built up in their property, either as a tax-free lump sum, in smaller regular amounts, or a combination of both — without having to sell up and move out.
There are two main types:
Home Reversion Plan
Things To Consider
Equity release is a significant financial decision, so it's important to weigh up the pros and cons carefully:
Potential benefits:
Access tax-free cash without needing to move
No monthly repayments required (with most lifetime mortgages)
Some plans offer a "no negative equity" guarantee
Funds can be used flexibly — home improvements, gifting to family, supplementing income, and more
Things to think about:
Releasing equity reduces the value of your estate and any inheritance you leave behind
Compound interest on lifetime mortgages can grow the amount owed quite quickly if not serviced
It may affect entitlement to means-tested benefits
Early repayment charges may apply if you want to exit the plan later
It's not always the right option — a further advance, downsizing, or other borrowing may suit you better
We'll always talk you through these considerations and the alternatives before you commit to anything.
All our advisers are qualified and regulated by the Financial Conduct Authority (FCA).
We have acces to lenders who are members of the Equity Release Council, meaning you benefit from safeguards such as the no negative equity guarantee and the right to remain in your home for life.
We recommend involving family members in the conversation, and we always encourage independent legal advice as part of the process.
Equity release will reduce the value of your estate and may affect your entitlement to means-tested benefits. Think carefully before securing other debts against your home.
This is a lifetime mortgage. To understand the features and risks, please ask for a personalised illustration.
Check that this mortgage will meet your needs if you want to move or sell your home or you want your family to inherit it. If you are in any doubt, seek independent advice.
There may be a fee for mortgage advice. The precise amount will depend upon your circumstances.