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What is equity release?

An equity release mortgage is a financial product that allows homeowners, typically over a certain age (usually 55+), to access the equity tied up in their property without having to sell it.

It’s designed for people who may be asset-rich but cash-poor, offering a way to unlock some of the value in their home to supplement their income, fund large expenses, or improve their standard of living in retirement.

Is equity release right for me?

Equity release can be a complex financial decision, and professional guidance can ensure the best choice for your circumstances. Here's why seeking advice is essential.

While available from age 55, borrowing amounts increase significantly at older ages. Delaying equity release can minimize interest compounding. Flexible repayment options can help manage interest accrual. A specialist advisor can guide you through this critical decision.

Unlike traditional mortgages, the lowest interest rate may not be the best option. Equity release plans offer various features and options. Consider inheritance, future repayments, and potential health benefits. An advisor can assess your needs and find the most suitable plan.
Equity release may affect eligibility for certain benefits like Pension Credit. Understanding the impact requires a nuanced analysis of your situation and the chosen plan type. An advisor can provide guidance on claiming and potentially keeping your benefits.

Why Equity release?

Tax free cash

With equity release, you can access tax-free cash from the value of your home without needing to sell it.

Free quotes

We won't charge you any fee to come out and analyse your circumstances and the best possible solution for you.

Exclusive rates

We have access to exclusive rates and deals that you won't find with highstreet banks.

Retain your home

Your home remains your own and the loan is only repaid on your death or you go into long term care.

Payment method

Choose how you wish to recieve your equity release, you can have as a lump sum or monthly payments.

Optional payments

You can either make repayments and not incur the interest or allow the interest to roll up and make no payments at all.

Get in touch

Simply fill out our 30 second form to compare equity release mortgages and we will be in touch
By submitting this form you agree to the terms of our privacy policy

But why us?

We have access to an array of mortgages for the over 55's (equity release mortgages) increasing the odds of finding you a great rate that suits your needs.

Additionally our advisors are members of the equity release council, you can find more information about this here.
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

* Borrowing on a mortgage will often reduce the annual interest rate, but borrowing over a longer term will in most cases increase the initial amount borrowed.

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