Release Equity from Your Home

Equity release is a way to access the money tied up in your home without having to move. It could be an option to consider to: 

  • Supplement your retirement income

  • Make home improvements

  • Help family with large expenses 

  • Live a more comfortable lifestyle

How does it work?

There are two ways you can release equity from your home: 

Lifetime Mortgage: You can release some of the money tied up in your home while still living there. The loan, plus interest, is usually paid back when the home is eventually sold—often later in life or if you move into long-term care.

Home Reversion: You sell all or part of your home to a provider in return for a lump sum or regular payments, but you still get to stay in your home for the rest of your life.

Speak to an adviser

Quick answers

  • Most providers offer equity release to people aged 55 and over, but eligibility can depend on your home’s value and the provider’s rules.

  • Equity release will reduce the value of your estate, so it’s important you consider this option carefully if you want to leave money to your family.

  • Equity release is a regulated financial product and can be a helpful way to access money from your home, but it’s not the right solution for everyone. Speaking with a financial adviser about your personal situation and goals is the best way to see if it could work for you.

What our clients say

testimonials

“We didn’t realise releasing equity from our home would even be an option. Thanks to help from the team, we were able to pay to convert a downstairs room for my husband to get around easier. We thought we couldn’t afford it and then managed to it through our mortgage. We’re incredibly grateful for all your help and for making things easier for us day to day.”

Carole

A MORTGAGE IS A LOAN SECURED AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.