Equity Release Council

Registered Members

FCA Regulated

Qualified Advisers

Whole of Market

100% Independent Advice

No Obligation

Free Initial Assessment

Explore Whether Equity Release Could Support Your Retirement Plans

Independent, FCA-regulated equity release advice tailored to your circumstances, goals, and long-term needs: with whole-of-market recommendations and no obligation to proceed.

You’re Aged 55 or Over

Most lifetime mortgage and equity release products are available to homeowners aged 55+, with available options varying based on your circumstances and property value.

You Want Greater Financial Flexibility in Retirement

Equity release may help you access tax-free cash from your home to reduce financial pressure, repay an existing mortgage, support family, or fund later-life plans.

You Want To Remain in the Home You Know

Many homeowners explore equity release as an alternative to downsizing, allowing them to stay in familiar surroundings while accessing some of their property wealth.

Speak with an independent adviser for a free, no-obligation assessment tailored to your circumstances.

Is equity release right for you?

✓ No Obligation Conversation

✓ Qualified and FCA Regulated Advice

✓ Whole-of-Market Access

How much could you release?

Enter a few details about your property and age to get an instant estimate of how much tax-free cash you may be able to unlock.

Use our calculator

✓ No Obligation Conversation

✓ Qualified and FCA Regulated Advice

✓ Whole-of-Market Access

Get your personalised illustration

Speak with a whole-of-market adviser, completely free, no obligation.
We'll compare every qualifying lender to find your best option.

What Is Equity Release?

Understanding Equity 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.

✓ No Obligation Conversation

✓ Qualified and FCA Regulated Advice

✓ Whole-of-Market Access

What is it?

Our 4 Step 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.

✓ No Obligation Conversation

✓ Qualified and FCA Regulated Advice

✓ Whole-of-Market Access

How it works

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.

✓ No Obligation Conversation

✓ Qualified and FCA Regulated Advice

✓ Whole-of-Market Access

How can it help me?

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.

✓ No Obligation Conversation

✓ Qualified and FCA Regulated Advice

✓ Whole-of-Market Access

Why us?

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.

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.

✓ No Obligation Conversation

✓ Qualified and FCA Regulated Advice

✓ Whole-of-Market Access

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

✓ No Obligation Conversation

✓ Qualified and FCA Regulated Advice

✓ Whole-of-Market Access

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

Home Equity Release is a trading style of Home Financial Services Ltd, which is an appointed representative of Cornerstone Finance Group Ltd, which is authorised and regulated by the Financial Conduct Authority. Cornerstone Finance Group Ltd is registered in England & Wales. No. 08458702. Registered Office: Unit E Copse Walk, Pontprennau, Cardiff, Wales, CF23 8RB. Cornerstone Finance Group Ltd (FCA No. 767202) Home Financial Services Ltd is registered in England and Wales No. 15250542 Registered office: Quest House, Fortran Road, St Mellons, Business Park, Cardiff, CF3 0EY. Home Financial Services Ltd (FCA No. 1013614) Telephone: 02922 807160 Email: enquiries@home-equityrelease.co.uk.

We are a credit broker, not a lender. We are whole of market broker. We may receive commission from the lender and this amount varies between lenders.

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