Your home could hold the key to financial security and flexibility. If you’re aged 55 or older, equity release allows you to access funds tied up in your property without the need to sell or move.
Take control of your finances with the support of FCA-approved, trusted advisers who’ll help you explore tailored options that suit your needs.
What is the best way to release equity from your home?
When considering “How to release equity from my house?”, it’s important to make the right decision. Although a lifetime mortgage is the most popular option for those over 55, choosing the product that best suits your individual needs is essential. Equity release lets homeowners in or near retirement unlock the value of their property. This can take the form of a lump sum, flexible borrowing facility, or regular payments. Crucially, you remain in your home while gaining greater financial flexibility.
Equity release can help you achieve long-term goals, like supplementing retirement income, funding home improvements, or managing debts.
Our free online equity release calculator can give you an indication of how much equity you could release from your home with a lifetime mortgage or home reversion plan. Enter a few details including your age and an estimation of your property’s value.
Are You Eligible for Equity Release?
Basic Equity Release Eligibility Criteria
- You’re aged 55 or over
- You own a property in the UK.
- Your home is in good condition
- You have little or no mortgage remaining
Equity Release May Not Be Suitable If
- You’re under the minimum age
- Your property value is below the lender’s threshold
- You plan to move house in the short term
- You want to leave the maximum inheritance possible
Why Choose an Equity Release Plan?
There’s no one-size-fits-all solution to financial planning. That’s why equity release offers a path tailored to your unique goals.
Benefits of Equity Release
- Stay in Your Home – Gain access to funds while continuing to live in your property.
- Payment Flexibility – Choose between lump sums or ongoing withdrawals based on your lifestyle.
- No Monthly Repayments (depending on your plan) – Certain options allow you to defer repayments entirely.
Things to Consider
- Effect on Estate Value – Accessing funds reduces the value of inheritance.
- Interest Accumulation – Interest may grow over time, increasing the total owed.
- Tax & Benefits Impact – Equity release might affect eligibility for means-tested benefits or incur tax implications.
How Does Equity Release Work?
Navigating equity release may seem complex, but we’re here to simplify it for you.
Lifetime Mortgage
- Borrow against your home’s value while retaining ownership.
- Interest builds over time, but no repayments are required until your property is sold.
Home Reversion Plan
- Sell part or all of your home in exchange for a cash lump sum.
- Maintain the right to live there rent-free for life.
Retirement Mortgage
- A mix of traditional and equity release options.
- Make monthly interest payments, reducing overall debt.
Every option is tailored to fit your circumstances, ensuring maximum flexibility and control over your finances.
Why Choose Us?
We’re here to connect you with trusted, FCA-approved advisers who specialise in equity release. Our mission is to empower UK homeowners with impartial, clear, and expert guidance so you can make confident, informed decisions.
Here’s how we stand out:
- Trusted Expertise – We only work with experienced, FCA-approved advisers.
- Personalised Solutions – Get tailored advice that suits your financial goals and lifestyle.
- Free, No-Obligation Consultations – Speak to advisers and explore your options with zero pressure.
- Transparent Process – Every step of the way, we’ll provide clear, easy-to-understand explanations.
No stress. No pressure. Just expert advice you can trust.
What Can You Use Equity Release For?
Releasing equity from your home gives you the freedom to invest in what matters most to you. Popular uses include:
- Home Improvements – Upgrade your space or make age-friendly adjustments.
- Boosting Income – Supplement your retirement funds with ease.
- Managing Debt – Consolidate outstanding debt and regain peace of mind.
- Helping Loved Ones – Provide financial support to your family when they need it most.
With equity release, the choice is entirely yours.
Frequently Asked Questions
Is equity release safe?
Yes, when properly advised. Equity release products are regulated by the FCA, providing strict consumer safety standards. We’ll connect you with trusted advisers for guidance.
Can I stay in my home?
Absolutely. With plans like lifetime mortgages, you retain full ownership and can stay in your home for life.
How much can I release?
It depends on your age, property value, and circumstances. Use our calculator for an instant estimate.
Will my family be affected?
Releasing equity reduces the total value of your estate, which may impact inheritance. Advisers can discuss the implications with you to help plan accordingly.
What happens if I move house after releasing equity?
Key points to know:
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The new property must usually be of similar value and acceptable construction
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If the new property is worth less, you may need to partially repay the loan
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If the new property isn’t suitable, the plan may need to be repaid in full
An adviser can explain portability rules clearly before you commit, so there are no surprises later.
Will accessing equity release affect my benefits?
Yes, equity release can affect means-tested benefits, depending on how the money is used or held.
For example:
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If released funds are kept as cash savings, they could impact benefits such as Pension Credit or Council Tax Reduction
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If the money is used immediately (e.g. home improvements, debt repayment), the impact may be reduced
Because benefit rules are complex, professional advice is essential before proceeding.
Can I repay an equity release plan early?
Yes — most modern equity release plans allow early repayment, but there may be early repayment charges.
Important points:
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Charges vary by provider and how soon you repay
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Some plans offer downsizing protection, allowing penalty-free repayment after a certain number of years
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Partial repayments may be allowed without penalty on some plans
Your adviser can help you choose a plan with flexibility that suits your future plans.
Is equity release safe for my retirement plans?
When arranged properly, equity release can be a safe and regulated option — but it isn’t right for everyone.
What makes modern equity release safer:
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Plans are regulated by the Financial Conduct Authority (FCA)
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Most follow Equity Release Council standards
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A no negative equity guarantee means you’ll never owe more than your home’s value
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Independent legal advice is required
That said, equity release can reduce the value of your estate and affect inheritance, so it’s important to understand the long-term impact before deciding.
Take the First Step Towards Financial Freedom
Your dream financial future could be just one decision away. Whether you’re looking to improve your home, plan for retirement, or support loved ones, equity release offers a flexible and secure solution.
Get free, no-obligation advice from FCA-approved experts today.