Unlock your home’s value.
Without moving.
Equity release lets homeowners aged 55+ unlock some of the value of their home — without having to move. It’s a serious, irreversible decision, and one that deserves careful regulated advice. We provide that, with no pressure and no obligation.
What equity release is — and what it isn’t
Equity release is a way of accessing the value tied up in your home as cash, while continuing to live there. The most common product is a lifetime mortgage — a loan secured against your home, with the interest typically rolling up rather than being repaid month-to-month.
The loan and accumulated interest are repaid when you move into long-term care or pass away — usually from the sale of the property.
Equity release is not a free gift, and it’s not a trick. It’s a regulated financial product with significant long-term implications — for the value of your estate, for any inheritance you intended to pass on, and for your eligibility for means-tested benefits. The right adviser will spend much more time talking you through the implications than selling you a product. That’s how we work.
Your options
A loan against your home. Interest rolls up unless you choose to make payments. You retain ownership.
You sell part or all of your home to a provider for a lump sum, with the right to live there for life.
How the process works
- First call — we discuss your situation, goals and alternatives
- Session 2 — we model the long-term effect on your estate in detail
- Family session (optional but encouraged) — we include anyone you’d like
- Product recommendation — only if equity release genuinely makes sense
- Legal advice — required by law before any plan completes
What it costs
A single broker fee, payable only when your mortgage completes. Free for NHS staff, Blue Light Card holders, teachers, social workers and the armed forces. Always confirmed in writing before any work begins.
Common questions
Will I still own my home?
With a lifetime mortgage, yes — you retain full ownership throughout. With home reversion, you sell part or all of the property to the provider but keep the right to live there for life.
Could I end up owing more than my home is worth?
No, if your plan includes a No Negative Equity Guarantee — which is standard on all lifetime mortgages we recommend. Your estate will never owe more than the property’s sale value.
Can I leave anything to my family?
Yes — most lifetime mortgages now offer ‘inheritance protection’ features that ring-fence a percentage of your property value for your estate.
Will it affect my pension or benefits?
Possibly — taking a lump sum can affect means-tested benefits like Pension Credit. We always check this carefully before making any recommendation.
Can I move home later?
Most modern lifetime mortgages are portable to a new property, subject to the new property meeting the lender’s criteria. We confirm portability on every plan we recommend.