Answer a few quick questions and speak to an FCA-authorised adviser about your options. Free, no obligation.
Important: Equity release is usually a lifetime mortgage secured against your home. Interest builds up over time, reducing what you leave behind, and may affect means-tested benefits. To understand the features and risks, ask for a personalised illustration.
You still own your home.You can live there for life.
The money is tax‑free.Spend it however you like.
No negative equity.You’ll never owe more than your home is worth.
Home improvements
Help family onto the property ladder
Buy your dream camper van
Pay off existing debts
A way for homeowners aged 55 and over to release money from their home without moving. The most common type is a lifetime mortgage: a loan secured on your home, usually repaid when the last borrower dies or moves into long-term care.
It depends mainly on your age and your home’s value. The older you are, the more you can usually release. Your adviser will give you a personal figure.
If you don’t make repayments, interest is added to the loan and compounds, so the amount you owe grows over time. Many plans let you make optional repayments to keep it down.
It reduces the value of your estate, and the money released may affect means-tested benefits. Some plans let you protect part of your home’s value for your family. Your adviser will check both with you.
Often, yes. Any existing mortgage must be paid off from the money you release, so the amount left over will be lower.
No. We’re an introduction service. We pass your details to one FCA-authorised adviser from our panel, and they give the advice.