For Over 55s Looking for Financial Security in Retirement
Turn your property wealth into tax-free cash with access to FCA-approved equity release advisers. We partner with experienced professionals to help match you with tailored plans while ensuring a stress-free experience.
Make Your Home Work for Your Future
Equity release allows homeowners aged 55 and over to unlock the value tied up in their property. From supplementing retirement income to helping fund family support or dream holidays, releasing equity gives you the financial flexibility you deserve, all while staying in the home you love.
Why Choose Us for Equity Release?
- Access to the Best Deals – Compare interest rates from leading providers to find competitive, tailored solutions.
- Hassle-Free Guidance – Our role is connecting you with FCA-approved advisers who provide honest, no-pressure advice.
- Trusted Expertise – All financial guidance comes from fully accredited, FCA-authorised professionals for your peace of mind.
Why Consider Equity Release?
- Flexible Options to Suit Your Goals – Whether you want to boost your pension income, gift family members, or create memories through travel, equity release empowers life-enhancing choices.
- Fixed Interest Rates for Life – Enjoy the stability of fixed rates that safeguard your financial planning, with no surprises along the way. Rates currently available from 6%.
- Voluntary Interest Payments – Choose a Lifetime Mortgage plan that allows voluntary repayments. Manage interest over time to preserve your estate’s value.
How it Works
Use Our Free Calculator
Find out how much equity you could unlock by entering basic information into our easy-to-use tool.
Get Tailored Advice
We’ll connect you with FCA-approved advisers who compare market-wide plans and guide you through your options.
Choose the Right Plan
Select a personalised plan with the best interest rate and terms that meet your needs.
Frequently Asked Questions
Do I Need to Make Monthly Payments?
Not necessarily. Most equity release plans allow repayment only once the property is sold after you pass away or enter long-term care. However, some plans allow voluntary repayments if you wish to reduce interest over time.
Will Equity Release Impact My Benefits?
It’s possible. Equity release could affect means-tested benefits like pension credits. An FCA-approved adviser will clearly explain the implications based on your circumstances.
Are Equity Release Rates Fixed or Variable?
Most plans offer fixed interest rates, providing stability. Some variable rate plans have caps to ensure your costs never exceed a defined amount.
What is the Difference Between ‘Roll-Up’ and ‘Interest-Only’ Equity Release
A roll-up lifetime mortgage allows you to release equity as a loan secured against your property. No monthly payments are required; instead, the interest accumulates and is paid off when your house is sold after you pass away or move into long-term care.
On the other hand, with an interest-only lifetime mortgage, you pay either part or all of the interest monthly. This helps prevent or reduce interest from piling up over time.
What is the Monthly Equivalent Rate (MER)?
When reviewing lending interest rates, you’re likely familiar with AER (Annual Equivalent Rate). Some equity release lenders use AER to calculate interest, but others apply monthly compounding, and will refer to the Monthly Equivalent Rate (MER) instead.
This may be confusing, but rest assured, our expert advisors will clearly explain any equity release products they recommend, ensuring you understand the terms before making a decision. They’ll also be happy to address any questions about how interest works with equity release.
Why is the Interest Rate in Equity Release So Important?
As with most types of lending, compound interest is charged on the loan. This means interest accumulates not just on the original loan amount but also on any previously accrued interest—this is called roll-up interest.
The interest rate is crucial because it determines the total cost of your loan. A higher interest rate means more will be owed after the sale of your property, potentially leaving less to pass on to your beneficiaries.
What affects equity release rates?
Equity release rates are influenced by factors similar to other lending products. In particular, they are often tied to movements in government bond prices, also known as gilt yields.
However, several other factors can affect the rate, such as:
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Future shifts in gilt rates
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Property value changes
Does everyone get the same rate?
No, equity release rates vary depending on individual circumstances. You might qualify for a better rate than the current average, potentially saving thousands in interest over the life of the plan.
What’s the Best Equity Release Rate You Can Get?
The best equity release rate will depend on your individual circumstances, and it’s possible to secure a rate lower than the market average. Your rate will vary based on factors like loan-to-value ratio, property type, health, and the features of the product you choose.
By consulting with one of our experienced advisors, you can explore your options and get personalized quotes from leading UK equity release providers.
For a free consultation or to find out how much you could borrow, contact us now.
Real Customers, Real Confidence
“I was apprehensive about equity release at first, but the adviser I worked with explained everything clearly and recommended a plan that fit my needs perfectly. Now, I feel financially secure in retirement.”
– Barbara, 72
“Thanks to the guidance I received, I unlocked cash from my home and was still able to leave an inheritance for my family. Highly recommended.”
– Michael, 65
Take the First Step Toward Financial Freedom
Use our free equity release calculator today and connect with trustworthy FCA-approved experts. No obligations, just honest advice designed for you and your goals.