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Equity Release Is
Safer Than Ever

It's regulated by the Financial Conduct Authority (FCA) and overseen by the Equity Release Council (ERC). ERC-approved plans carry a no negative equity guarantee, so you'll never owe more than your home's worth.

Equity Release FAQs Find Out More
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Unlock new possibilities with Equity Release

When you release equity, the money can be used without restriction – so you won't have to put those important plans on hold.

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Home improvements

Update your property, extend or repair it. After all, it's still your home for life and you want to enjoy living in it.

Make That Change
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Travel the world

Can you afford to stay in your home, but no money for life's luxuries? Unleash your dreams with Equity Release.

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Pay off debts

If loan repayments are eating into your retirement income, you could clear them and have money to spare.

Peace of Mind
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With Equity Release growing in popularity, now's the right time to take a closer look and realise your dreams.

Two clear options

Product innovation is giving homeowners more choice than ever before

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Lifetime Mortgage

A loan is secured on your home, but you can keep living in it.
Usually, there are no monthly payments to be made. When you pass away, or go into permanent care, your home is sold. The proceeds are used to repay the loan and any interest.

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Home Reversion

You can sell some or all of your home to an Equity Release provider. The money can be paid as a lump sum, in instalments or both. It's still your home until its sold. Any remaining share could be ring-fenced and left in a will.

Having more options is never a bad thing; but it means there's more to think about. That's why you should talk to an expert.

Talk to a Consultant

Providers you can trust

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Five things you need to know before getting Equity Release:

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You need to be 55 or older to be eligible, as do other applicants involved in
the process

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If the plan is registered and approved by the Equity Release Council, you won't end up in negative equity

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It's your home until you die or go into permanent care, at which point it will
be sold

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You can ringfence some of the equity in your home, so money is left behind as a gift for loved ones

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If you have an outstanding mortgage, it must be paid in full first – using the equity you released or other funds

Equity Release can be used for more than just home improvements, travelling or paying off debts. You could give a gift to a friend or family member and make a difference to
their future.

Three questions providers might ask

Before speaking to a specialist, you may want to prepare your answers

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How old is the youngest homeowner?
Normally, you can't get a joint Equity Release plan unless you're both 55 or older

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How is your health and what's your lifestyle?
This will help your consultant recommend the right plan for your needs

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What's the condition of
your property?

They may need to know what state of repair it is in, for example

Request Your Free Quote

Get your quote in three short steps

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1. Use our simple form to answer a few questions
(it takes just two minutes)

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2. Once we have your details, we'll get you talking to an Equity Release consultant

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3. Discuss your needs, compare different options and make a decision

Equity Release FAQs

Equity Release isn't right for everyone. You could downsize, take out a mortgage, delay your retirement plans or rent out part of your property.

Equity Release could leave loved ones with minimal or no inheritance. It might be a good idea to discuss your plans with them and involve them in any meetings with your solicitor or financial advisor.

If you decide to release equity to help family or friends, remember that money won't be there– should you require it for a different purpose later.

The Equity Release Council offers advice and guidance for homeowners via its dedicated website, so you may want to visit their website for more information.

You can visit the Equity Release Council's website and search its directory. Members of the ERC have to sell products that meet a specific standard.

Equity Release providers are regulated by the Financial Conduct Authority for your additional reassurance and protection.

This will need to be handled by a solicitor you appoint, after your consultant has recommended an Equity Release plan.

In most cases, a lender will let a friend or relative live with you, provided they sign a waiver agreeing to move out when your home is sold (when you go into permanent care or die).

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