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Unlock Your Home’s Value with Equity Release
If you’re 55+ and a homeowner, you could be sitting on a valuable asset through your property’s equity. Equity release allows you to tap into that wealth tax-free without moving out or selling up.
Our trusted partners provide access to the full market of equity release products, including new offerings. This means abundant options for unlocking a tax-free cash lump sum to use as you wish – renovations, helping family, travel, or simply enjoying a more comfortable retirement.
While a long-term commitment, equity release can transform your finances. We’ll explain the benefits and drawbacks in detail so you can decide if it’s right for you. The first step is requesting a no-obligation equity release quote to see how much you could access from your home’s value.
As Seen On
Easy 3 step process
We look at the range of criteria to select the best provider for you, including aftercare services and delivery time.
01
Complete our quote form to make an enquiry and receive and estimate
02
An no-hassle expert advisor will give you a call to discuss your options
03
If happy, select a plan that
works for you
What You Need to Know About Equity Release
Equity release can be a powerful tool for enjoying your retirement years with greater financial freedom. However, it’s a big decision that requires careful consideration.
The Benefits:
- Tax-Free Cash Boost – Unlock a lump sum from your home’s value without paying taxes
- Stay in Your Beloved Home – No need to downsize or move with a lifetime mortgage
- No Negative Equity Guarantee – You’ll never owe more than your home’s worth
- Inheritance Protection Options – Some plans allow you to safeguard a portion for your family
However, it’s important to understand the potential drawbacks:
- Reduced Estate Value – Equity release will decrease the total value of your estate
- Impact on Means-Tested Benefits – Your entitlement may be affected
- Limited Remaining Property Value – You could end up with little to no remaining home equity
- Reduced Future Options – Equity release may limit your financial flexibility down the road
Our partners’ advisors, will walk you through the pros and cons thoroughly. They’ll explain equity release in detail and explore all alternatives to ensure you make the choice that’s right for your unique situation.
The first step? Request your free, no-obligation equity release quote now to see how much you could access from your home’s value. Then, we’ll guide you through the rest of the process at your own pace.
Our partners have been helping release equity for over 8 years
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Made the experience super easy and clear from start to end.
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Why Choose Us?
Our mission is to help over 55’s in the UK to release equity from their homes and give them the financial security they need. Based on your criteria we will match you with fully accredited FCA approved advisors and reliable businesses that will provide you with the best quote for the equity release plan you need. We also aim to make it stress & pressure free experience.
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Get a hassle-free quote without the pressure of over-the-top sales tactics
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We’ll give you a honest fixed quote depending on what you need without any added costs
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Frequently Asked Question
What are the eligibility requirements for equity release?
To be eligible for equity release, you must be 55 years old or above and own a property worth at least £70,000 in the UK. Most providers also require you to be mortgage-free or have only a small outstanding mortgage balance remaining.
How much money can I release from my home's value?
The amount you can release depends on factors like your age, property value, and the specific equity release plan. Generally, you can access between 20-60% of your home’s worth as a tax-free lump sum.
Do I have to make monthly repayments with equity release?
With a lifetime mortgage, which is the most common form of equity release, you don’t have to make any monthly repayments. The loan amount plus rolled-up interest gets repaid when your home is eventually sold, usually when you move into long-term care or pass away.
Will equity release affect my state benefits entitlement?
Yes, the tax-free cash lump sum you receive could impact your eligibility for means-tested state benefits like pension credits and council tax benefits. It’s important to check how equity release may affect your specific benefits situation.
Can I still leave an inheritance with equity release?
Some lifetime mortgage plans offer inheritance protection features that allow you to ringfence a portion of your property’s value to leave to your loved ones. Your adviser can explain the various options.
What are the alternatives to equity release?
Other options to boost retirement income or access property wealth include downsizing to a smaller home, taking out a traditional mortgage if you qualify, or getting a home reversion plan. An independent adviser can outline the pros and cons of each avenue.