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Author: Carl Shave-Director
Updated on September 13th, 2023

Equity Release

Equity Release mortgages can enable you to make repairs to the house, pay down debts or simply provide you with more freedom and a better standard of life in your later years.

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What is Equity Release?

If you are aged 55 or over and a homeowner, then Equity Release is a way for you to access the wealth tied into the value of your house, without having to sell your property or move out. All money taken through Equity Release is tax free.

It means you can put it to positive use to improve your quality of life, be it a lump sum for a large expense, or a steady stream of smaller payments for a more managed income. An Equity Release loan lasts until the house is sold when you either die or move permanent care, so it is a big commitment.

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Equity Release Mortgages

Equity release mortgages are a range of products that are only available to homeowners over the age of 55. These products, which usually include either a Lifetime Mortgage or Home Reversion, allow the homeowner to access the equity tied up in their home. Equity release mortgages have no fixed term and come with a ‘no negative equity guarantee’, meaning that you or your family will not be liable to pay any more after you have passed away. Those who choose an equity release product can take the money as a lump sum, several smaller payments or a combination of the two.

Check your eligibility in minutes by completing our Equity Release mortgage calculator


Fully Qualified Equity Release Broker

There is an increasing amount of information available both on the television and the internet and it can be confusing to know who to turn to when you need honest, unbiased advice.

Our Equity Release advisors aim to answer the growing need by clients for specialist services in later life. Our advisers are fully qualified, committed to providing you with excellent service and above all, will talk to you without using technical jargon and at a time and place to suit you.

The Types of Equity Release

Lifetime Mortgage

This is where you can take out a mortgage secured on your property (usually up to 35% of its value), while retaining ownership. Interest will roll up for as long as the loan is in place, or you can choose to pay the interest each year to avoid it building up (known as an Interest-only Lifetime Mortgage). When the homeowner dies or moves into long-term care, the loan amount and any accrued interest is paid back out of the funds from the sale of the house.

Home Reversion

Where you sell all or part of your home to a loan provider, in return for a tax-free lump sum or smaller regular payments. Again, you are entitled to live in your property rent free until you pass on or move into care, but you have to agree to maintain and insure it.

The percentage of your home you retain will always be the same, no matter how the value of the property fluctuates. You can of course take further cash releases, which will affect the size of the portion of your property that you own. At the end of the plan, your property is sold and the sale proceeds are shared according to the final percentages of ownership.

Equity Release Providers

There are a few key providers in the Equity Release market that work within the guidelines set by the Equity Release Council. As trusted providers, we’re happy to work with all of them:

Equity Release Council Members

Equity Release Council - Safe Equity Release since 1991

As a member of the Equity Release Council, an industry body for the equity release sector, which aims to develop, maintain and enforce the integrity of set rules within the equity release market, we prioritise your interests first to ensure the highest standards of advice and secure solutions.

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