What is Equity Release?

Image of locked house

Equity Release enables you to unlock and access the equity (cash) tied up in your home, if you own your own home and are over the age of 55.

To support you through retirement you can take the money you release as a tax free lump sum (or a regular monthly income from the lender for a defined period of time) or in smaller amounts or as a combination of both.

Objectives for releasing equity

By releasing a portion of the equity in your home you’ll have money to spend on whatever you wish. It could be holidays, home improvements, buying a new car and/or helping your family with an early inheritance

What is Equity Release?

Equity Release Calculator

Later Life Planning Services

Frequently Asked Questions

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What type of plans are available?

Lifetime mortgage

Release a lump sum of cash from the value of your home. There are no requirements to make repayments towards the interest charged

Drawdown mortgage

Similar to a standard lifetime mortgage but you can access your money with more flexibility

Interest only lifetime mortgage

You make regular payments to reduce the effect on the value of your estate

Home Reversion plan

Will allow you to exchange the ownership of some or all your property for a lump sum of cash

Good to Know

Many lifetime mortgage plans now allow you to make voluntary partial repayments to reduce the impact of equity release on your estate, without making any monthly commitment.

A Guide to Equity Release – Things to Consider

Rest assured I am here to help. I will give you clear, easy to understand advice about achieving your needs through equity release including whether it is a suitable solution for you or not.

I understand it is an important decision to make and I am available to help you through the whole process from the initial meeting to receiving the funds, should you wish to proceed.

If you would like to find out whether equity release is right for you please feel free to contact me:

We provide initial advice for free and without obligation. Only if you choose to proceed and your case completes would a typical fee of £1,695 be payable.

Equity Release may involve a home reversion or a lifetime mortgage, which is secured against your property.

Please note, Equity Release requires paying off any existing mortgage. Any money released, plus accrued interest would be repaid upon death, or moving into long term care.

To understand the features and risks, ask for a personalized, free, no obligation illustration today.