Equity Release

Funding for a better financial future


What is Equity Release?

In a nutshell, Equity Release is a way for age 55 and over to unlock the value of your property and turn it into a cash lump sum. You can do this through a number of policies which let you access – or 'release' – the equity (cash) tied up in your home. You don’t need to have fully paid off your mortgage to apply.

Why Should I Consider Equity Release?

Equity Released can be used to fund

  • Home improvements 

  • To boost disposable income in retirement

  • To gift to family (living inheritance)

  • To fund a holiday of a lifetime

  • For general lifestyle (home furnishings, car, etc)

  • General financial security


  • Fixed rates for life

  • Pay off existing mortgage

  • No negative equity guarantee (you will never owe more than the house is worth)

  • No worry of repossession

  • No monthly payments

  • Still retain ownership of the property

  • Subject to valuation. Eligible to release more in the future

  • Only payable back upon death of second partner or going into long term care