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What Is Equity Release?

Equity release lets homeowners aged 55+ unlock some of the money tied up in their property without having to move. The most common option is a lifetime mortgage, where you keep full ownership of your home and can access funds as a lump sum or in stages. There are no required monthly repayments, and the loan is repaid when the plan ends.

It’s designed to give people flexibility in later life, whether that’s helping family, improving finances, or covering specific needs. Like any long-term decision, it comes with important considerations — which is why clear information and regulated advice matter.

I Want to Understand My Options

Get a clear, simple overview of how equity release works, who it’s suitable for, and what you should consider before making any decisions.

This path is ideal if you’re still exploring and want balanced information presented in an easy-to-digest format.

I Want to See What I Could Release

If you’re looking for real numbers, start here. Use the calculator to get an instant estimate based on your age and property value.

No credit checks. No obligations. Just a realistic range to help you understand what might be available.

I Want Personal Advice from a Specialist

If you prefer to speak with someone directly, you can talk to an FCA-regulated specialist who will explain your options, assess suitability, and guide you through next steps.

No pressure - just clear, independent advice tailored to your situation.

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How does the Process Work?

Benefits & Considerations of Equity Release

Equity release can offer flexibility in later life, but it isn’t right for everyone.

Understanding both the potential advantages and the key considerations upfront helps you decide whether it’s something worth exploring further.

Potential Benefits

Access funds without moving home

No required monthly repayments

Important Considerations

Interest builds up over time

Reduced inheritance

Impact on benefits and entitlements

You can unlock some of the value in your property while continuing to live there, retaining security and familiarity.

Depending on the plan, funds can be taken as a lump sum or released gradually over time to suit different needs.

Most plans do not require monthly repayments, which can help manage outgoings during retirement.

If no repayments are made, interest is added to the loan, increasing the amount repaid when the plan ends.

Because the loan is repaid from your property, the value of your estate may be reduced.

Releasing funds can affect eligibility for certain means-tested benefits.

Flexible ways to release money

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Frequently Asked Questions

Who is equity release for?

Equity release is generally designed for homeowners aged 55 or over who want to access some of the value in their property without moving.

Suitability depends on individual circumstances, which is why regulated advice is important.

What protections exist for homeowners?

Most plans include safeguards such as the right to remain in your home for life and a no-negative-equity guarantee, meaning you or your estate will never owe more than the value of your property.

How does equity release work in simple terms?

Equity release allows you to unlock money from your home while continuing to live there.

The most common option is a lifetime mortgage, where funds are released as a lump sum or in stages, under agreed terms.

Will I still own my home?

With most equity release plans, including lifetime mortgages, you retain ownership of your home and continue to live there as your main residence, provided the terms of the plan are met.

Is equity release safe?

Modern equity release products are regulated and designed with consumer protections in place.

When arranged through a regulated adviser and a lender that follows industry standards, equity release can be a secure option.

Do I need professional advice?

Yes. Equity release is a long-term financial decision, and regulated advice ensures any recommendation is suitable, clearly explained, and considers alternatives as well as potential risks.

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A lifetime mortgage is a loan secured against your home. To understand the features and risks, ask for a personalised illustration. Equity release will reduce the value of your estate and may affect your entitlement to means tested benefits.

Your home may be repossessed if you do not keep up contractual repayments on your mortgage.

Visit the FCA’s consumer website for more information - www.moneyhelper.org.uk

Equity release will reduce the value of your estate and may affect your entitlement to means-tested benefits