Equity Release

Unlock the value tied up in your home with flexible equity release options designed to support your lifestyle and financial goals in later life.
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This is a lifetime mortgage. To understand the features and risks, ask for a personalised illustration.
Equity release allows homeowners to access cash (equity) from their property without needing to move. It’s often used to supplement retirement income, fund home improvements, or provide financial support to family members, such as helping children or grandchildren onto the property ladder.
Releasing equity can make a real difference to financial freedom in later life, but it’s a significant decision that should always be taken with professional advice. We are qualified equity release specialists who are authorised to recommend the most suitable and responsible options for your needs.

Types of Equity Release

There are two main types of equity release available in the UK. Each works differently, depending on whether you want to keep full ownership of your home or sell a share of it.

Lifetime Mortgage

A lifetime mortgage is an interest-only mortgage secured against your home, which remains your main residence.

Key points:

  • Available to homeowners aged 55 and over

  • You retain full ownership of your property

  • You can choose to make monthly interest payments or let the interest roll up (added to the loan balance)

  • The loan and any accrued interest are repaid when the property is sold usually when you move into long-term care or pass away

This option allows you to stay in your home while releasing funds to improve your quality of life, manage living expenses, or support family.

2. Home Reversion Plan

A home reversion plan involves selling part or all of your property to a reversion company in exchange for a lump sum or regular income.

Key points:

  • Available from age 60

  • You can stay in your home for life or until you move into care

  • You’ll receive either a tax-free lump sum or monthly payments

  • The share of your home you sell will belong to the reversion provider, and they’ll receive that share of the proceeds when the property is sold

While you no longer own 100% of your home, you retain the right to live there rent-free until the plan ends.

Important Considerations

Both lifetime mortgages and home reversion plans have long-term implications and are not suitable for everyone. They will:

  • Reduce the value of your estate

  • Affect inheritance planning

  • Potentially impact entitlement to means-tested state benefits

Before proceeding, it’s vital to receive independent advice from a specialist, FCA-authorised equity release adviser. Only brokers with the approved qualifications and accreditations can legally arrange these plans.

Is Equity Release Right for You?

Equity release may be suitable if you:

  • Are over 55 and own your home outright or with a small mortgage

  • Need access to funds without selling or downsizing

  • Want to release equity to improve your home, travel, or help family financially

  • Understand the long-term impact on your estate and inheritance

We’ll talk through your goals, explain the available options clearly, and, where appropriate, connect you with a fully qualified equity release specialist for personalised advice.

Talk to Us

If you’re considering releasing equity from your home, we can help you explore your options, understand the implications, and make a confident, informed choice.