Get an Equity Release Estimate for Homeowners Aged 55+

Understand how you could access tax-free cash from your property while continuing to live in your home

✓ No Obligation Conversation

✓ Qualified and Regulated Advice

✓ Submit Basic Details

✓ Get an Instant Estimate

Authorised and regulated by the Financial Conduct Authority

Who Equity Release May Be Suitable For

Equity release is designed for homeowners who have built up value in their property and are considering ways to access some of that wealth later in life.

While it is not suitable for everyone, it can provide a flexible option for those who want to release funds without needing to move home.

You are aged 55 or over

Most equity release products are available to homeowners aged 55 and above, with eligibility and the amount available typically increasing with age.

You own your home outright or with an outstanding mortgage

Equity release is available to those who own their property outright or have a remaining mortgage that could be repaid using part of the funds released.

You want to access funds from your home without moving

Equity release may allow you to unlock some of the value tied up in your property while continuing to live there.

We’ll assess whether equity release could be suitable for your circumstances.

What Is Equity Release?

UnderstandingEquity Release

Equity release allows homeowners to access some of the value tied up in their property without needing to sell or move out.

It is typically available to those aged 55 and over and is most commonly used to release tax-free cash while continuing to live in the home.

The most common form of equity release is a lifetime mortgage.

Lifetime Mortgages Explained

A lifetime mortgage allows you to borrow money secured against your property while retaining full ownership.

Unlike a standard mortgage, there are usually no required monthly repayments.

Instead:

• Interest is added to the loan over time

• The total amount owed increases gradually, but you can make optional payments to negate this

• The loan is typically repaid when the property is sold, usually after you pass away or move into long-term care

Get a clear explanation of how equity release works and whether it’s right for you.

How Much Equity Can You Release?

Use our equity release calculator to see an initial estimate of how much you may be able to release.

For a precise figure and to understand how equity release could affect your finances and inheritance, we recommend speaking with one of our qualified advisers.

Most common reasons for Releasing Equity

Lifestyle, travel & quality of life

Boosting retirement income

Mortgage & debt repayment

Estate & tax planning

Home improvements

Gifting & helping family

We’ll help you explore whether equity release fits your goals.

Our Advice Process

Equity release is a significant decision, so we keep the process clear and straightforward while ensuring you fully understand your options.

1. Initial Discussion

We start with a conversation to understand your situation, your property, and what you’re looking to achieve. We’ll answer your questions and explain how everything works, with no obligation to proceed.

2. Exploring Your Options

We explain how equity release works in simple terms, including how interest is applied and what it means long term. We also discuss any alternative options so you can make a fully informed decision.

3. Personalised Recommendation

If equity release is appropriate, we provide a recommendation tailored to your circumstances and clearly explain the costs, risks, and long-term impact.

4. Ongoing Support

If you decide to proceed, we manage the process through to completion and remain available to support you in the future as your circumstances change.

We’ll guide you through each step clearly and at your pace.

Why choose Home Equity Release?

FCA Regulated

Safe, trustworthy guidance

Specialist Later Life Advice

Guidance tailored to your needs

Whole of Market

We'll always find the right solution

At your side

We manage every step for you

Straightforward Process

simple and easy, from start to finish

Experienced Advisors

Decades helping UK homeowners

Clear, no-obligation guidance to help you decide if equity release is right for you.

Frequently asked questions

Who is equity release for?

Equity release is generally designed for homeowners aged 55 or over who want to access some of the value in their property without moving.

Suitability depends on individual circumstances, which is why regulated advice is important.

What protections exist for homeowners?

Most plans include safeguards such as the right to remain in your home for life and a no-negative-equity guarantee, meaning you or your estate will never owe more than the value of your property.

How does equity release work in simple terms?

Equity release allows you to unlock money from your home while continuing to live there.

The most common option is a lifetime mortgage, where funds are released as a lump sum or in stages, under agreed terms.

Will I still own my home?

With most equity release plans, including lifetime mortgages, you retain ownership of your home and continue to live there as your main residence, provided the terms of the plan are met.

Is equity release safe?

Modern equity release products are regulated and designed with consumer protections in place.

When arranged through a regulated adviser and a lender that follows industry standards, equity release can be a secure option.

Do I need professional advice?

Yes. Equity release is a long-term financial decision, and regulated advice ensures any recommendation is suitable, clearly explained, and considers alternatives as well as potential risks.

We’re happy to talk through your situation with no obligation.

Authorised and regulated by the Financial Conduct Authority

Ready to Explore Your Equity Release Options?

Book a free, no-obligation consultation and get clear answers about your options.

Or call free and our team will be able to help you

A lifetime mortgage is a loan secured against your home. To understand the features and risks, ask for a personalised illustration. Equity release will reduce the value of your estate and may affect your entitlement to means tested benefits.

Your home may be repossessed if you do not keep up contractual repayments on your mortgage.

Visit the FCA’s consumer website for more information - www.moneyhelper.org.uk

Equity release will reduce the value of your estate and may affect your entitlement to means-tested benefits