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Equity Release

An Equity Release mortgage 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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Working with Premier Equity Release

Premier Equity Release is The Mortgage Centre’s trusted partner when it comes to all things regarding the specialist area of Equity Release.
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.

Premier Equity Release was formed by The Mortgage Centres 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.

Equity Release Calculator

Calculation results should not be considered as a quote. Make sure you read the separate Key Facts Illustration (KFI) or European Standard Information Sheet (ESIS) before making a decision

Property Details


Thank you for your details. Please see below for the maximum amounts you can release based on the information you have provided

Lifetime Mortgage
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Enhanced Lifetime Mortgage *
{{ enhancedLifetimeMortgage | currency('£', 0) }} * If you are in poor health you may be entitled to better terms with an Enhanced Lifetime Mortgage.

For more information and advice, please contact us on or complete the form below.

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What is Equity Release and How Can I Benefit?

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.

Mortgages for Over 55

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.

Lifetime Mortgages

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.

Home Reversion Plans

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 Providers

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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