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Equity release is a way for homeowners to access money tied up within the value of their home. You don’t need to move or downsize, plus you continue to own your own home. The money released is tax-free and can be spent as you wish, either by taking a lump sum, or a series of drawdowns.
For those age over 50, there are four later life lending options. The most popular is a lifetime mortgage with a starting age of 55. RIO’s, retirement mortgages and home reversion plans also offer alternative ways to help release equity from your home.Read more about equity release
Once you’ve decided equity release is the right for you, we then
need to start the application
This takes typically 4-6 weeks and we guide you through the whole process.
Discuss the plans for your money with your local adviser – either face-to-face, telephone or video call. After listening to your requirements, your adviser will conduct research to find the most suitable plan and present their recommendations to you.
If you’re in agreement, your adviser will then prepare and submit all the paperwork. An independent valuation is conducted and your solicitor is instructed. Upon approval, your lender will make a formal mortgage offer, including all relevant loan information
Our team of dedicated case coordinators will support & manage your case throughout. Liaising with both solicitors & lender, they will confirm your completion date. At that point the lender will transfer the equity release money directly into your bank account.Read more
Equity release raises a lot of questions. Here's some of our most common FAQs
that our equity release advisers get asked.
There are two types of equity release scheme. Lifetime mortgages are the most popular due to the range of flexible features they offer, this will be repaid when you pass away or go into long-term care. Home reversion plans aren’t often used today, but are still useful for those who wish to guarantee an inheritance for their loved ones.
How much you can release will depend on the value of your home and the age of the youngest homeowner.
To get a quick estimate, try our Equity Release Calculator
UK Equity release is regulated by the Financial Conduct Authority and all our advisers are members of the Equity Release Council – the industry’s trade body who insist that a strict code of conduct is followed.
Lender’s charges vary and many offer incentives. You can compare the latest equity release deals from across the market on our website or get in touch for a personalised quote.
There are other costs involved such as the advice and solicitor’s fees. Find out more about the fees and charges for equity release.
Equity release can be an attractive option for those looking to release cash from their homes. If you opt for a lifetime mortgage, you should consider the impact this could have on the inheritance you leave when your plan is repaid. If you currently claim means-tested benefits, then these could also be impacted.
We're proud that our hard work has been recognised by both experts in the equity release
industry and general public alike. It shows we're providing the best service for our customers.