Equity release, made clear
Check if you may be eligible in under a minute.
Step 1 of 7 · Home ownership
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FCA-authorised brokers
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Free to use
No charge for our eligibility check
Under a minute
A few quick questions
No obligation
You're always in control
What is equity release?
How it works, and the protections to look for.
Equity release lets eligible homeowners, typically aged 55 and over, access money tied up in their home without moving.
A lifetime mortgage is a loan secured against your home, while you keep ownership. The loan and interest are usually repaid from the sale of your home when the last borrower dies or moves into long-term care.
If you don't make repayments, interest is added to the loan and charged on the growing balance.
Lifetime mortgages are regulated by the Financial Conduct Authority. Many plans also meet Equity Release Council standards, which typically include the protections below. Always check the features of any plan with an authorised adviser.
An authorised adviser can help you understand the plan, compare alternatives and consider the long-term impact on your estate and benefits.
Free to check. Takes under a minute.
Is equity release right for me?
Some of the most common reasons people consider releasing money from their home.
You may have a valuable home but a limited pension income. Releasing some equity could help top up your finances without having to move.
If you reach retirement with borrowing still outstanding, equity release could help you repay it.
Some people choose to give loved ones a helping hand during their lifetime.
If you'd rather stay in your home than move, releasing equity could help fund work that makes it more comfortable.
Free to check. Takes under a minute.
How does it work?
Step 1
Tell us about your home, your age and what you need. It only takes a minute.
Step 2
If you'd like to know more, we pass your details to an FCA-authorised equity release broker. We don't give advice ourselves.
Step 3
The broker explains how equity release works, including how interest builds up, the risks, and alternatives you could consider.
Step 4
If equity release is suitable, the broker can recommend a plan. You'll also get independent legal advice before anything goes ahead.
Your questions answered
Free to check. Takes under a minute.
