Release the value you’ve built.
If you’re 55 or over, equity release can unlock tax-free cash from your home without having to move. It’s a big decision, so we give specialist advice that puts you and your family first.
Your home, your choice.
The most common form of equity release is a lifetime mortgage: a loan secured on your home that’s usually repaid when the last borrower dies or moves into long-term care.
- Stay in your home for life and keep 100% ownership
- Tax-free lump sum, drawdown facility, or both
- Optional monthly interest payments to limit roll-up
- No-negative-equity guarantee on plans meeting Equity Release Council standards
- Protect part of your property’s value as an inheritance
People use it to help children onto the ladder, clear an interest-only mortgage, adapt their home, or simply enjoy retirement more.
Illustrative only. Actual amounts depend on lender, health, property and age.
Good advice means the full picture.
Compound interest
If you don’t make payments, interest rolls up and the amount owed grows over time.
Inheritance
Equity release reduces the value of your estate. We encourage you to involve your family in the conversation.
Benefits
Receiving a lump sum could affect your entitlement to means-tested state benefits.
Alternatives
Downsizing, a retirement interest-only mortgage or family help may suit you better. We’ll look at all of them.
Early repayment
Repaying early can carry significant charges, although many plans now include downsizing protection.
Legal advice
You’ll need an independent solicitor, and that safeguard is built into the process.
Equity release FAQs
Will I still own my home?
Yes. With a lifetime mortgage you keep full ownership of your home and can live there for the rest of your life.
Can I leave an inheritance?
Many plans let you ring-fence a percentage of your property’s value as a guaranteed inheritance.
Can I move house later?
Most modern plans are portable to a new property, as long as it meets the lender’s criteria.
What does your advice cost?
Our specialist equity release advice fee is typically £995, and we’ll confirm it at your first appointment, which is free.
Talk it through, no pressure.
Equity release is a big decision. We’ll take the time to understand your goals and explain every option, including the alternatives.