Access the wealth tied up in your property without having to move. Whether for retirement, a dream project, or helping family — we'll guide you through every step.
Access funds without having to sell or move
Receive your money as a tax-free cash payment
With a lifetime mortgage, nothing to repay monthly
You'll never owe more than your home is worth
Equity release allows homeowners aged 55 and over to access the wealth tied up in their property. You can receive the money as a lump sum, in smaller amounts, or a combination — all while continuing to live in your home.
The most common type is a lifetime mortgage, where you borrow against your property with no monthly repayments required. The loan plus interest is repaid when you pass away or move into long-term care.
It's a big decision that can affect your inheritance, means-tested benefits, and long-term finances. That's why we take the time to explain everything clearly, explore alternatives, and ensure equity release is genuinely the right option for you.
All our recommended plans come with a no-negative-equity guarantee, meaning you'll never owe more than your home is worth. We only recommend products from providers who are members of the Equity Release Council.
From initial conversation to receiving your funds — we make the process clear and pressure-free.
We arrange a relaxed consultation to understand what you want to achieve and whether equity release is the right solution for you.
We search the market for the best equity release plans, comparing rates, features, and flexibility from leading providers.
We explain our recommendation in plain English — covering costs, impact on inheritance, and any alternatives worth considering.
We handle the paperwork, liaise with solicitors and valuers, and support you right through to receiving your funds.
Equity release is a significant financial decision. Here are the key factors to understand before proceeding.
The amount you can release depends on your age and property value. Generally, the older you are, the more you can access — typically between 20% and 60% of your home's value.
As interest compounds over time, the amount owed will grow and reduce the inheritance you leave. We'll model this clearly so you and your family can make informed decisions together.
As a first-time buyer, you pay no stamp duty on properties up to £300,000 and a reduced rate on properties up to £500,000 — saving you thousands.
Equity release rates are typically higher than standard mortgages because no monthly payments are made. However, rates have become more competitive. We'll find you the best rate available.
Many modern equity release plans allow voluntary repayments of up to 10% per year, helping to manage the interest. Some also offer downsizing protection and drawdown facilities.
You'll need independent legal advice from a solicitor before completing equity release — this is a requirement, not optional. It ensures you fully understand the commitment you're making.
Answers to the questions we hear most about equity release.
Equity release is a way for homeowners aged 55 and over to access the wealth tied up in their property. The most common type is a lifetime mortgage, where you borrow against your home with no monthly repayments. The loan and interest are repaid when you pass away or move into long-term care.
Yes. With a lifetime mortgage, you retain full ownership of your home and the right to live there for life. The lender has a charge on the property, but it remains yours. You can also move home, subject to the new property meeting the lender's criteria.
The amount depends on your age and your property's value. As a rough guide, at age 55 you could release around 20–25%, rising to 50–60% at age 85+. We'll give you an accurate figure based on your specific circumstances during your consultation.
It can. Releasing a large sum could affect means-tested benefits such as Pension Credit, Council Tax Reduction, and Universal Credit. Taking money in smaller drawdown amounts rather than a lump sum can sometimes help. We'll discuss this in detail.
Many plans allow voluntary repayments of up to 10% of the loan per year without penalty. If you want to repay the full amount early, there may be early repayment charges depending on the plan. We'll make sure you understand all the terms before committing.
All plans we recommend include a no-negative-equity guarantee. This means that when your property is sold to repay the loan, you (or your estate) will never owe more than the sale price of the home — even if the debt has grown larger than the property's value.
Book a free, no-obligation consultation. We'll explain how equity release works, how much you could access, and whether it's the right choice for your circumstances.
