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Later Life & Equity Release

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Release the equity in your property with a lifetime mortgage or home reversion plan.

What is Equity Release?

Equity Release is the name for products that allow you to access the equity in your property if you are over 55. Typically, there are no repayments and you are guaranteed to remain in the property as long as you are able. There are two main types of equity release, lifetime mortgage and home reversion.

Lifetime Mortgage

A lifetime mortgage is a long-term loan secured against your home. It's repaid when you die or go into long-term care. Interest is usually 'rolled up' and taken from the remaining part of the equity but it can also be repaid on a monthly basis. If the interest over time is more than the remining equity in the property you don't have to repay more than the value of the property.

Home Reversion

With a home reversion scheme, you sell all or part of your property in return for a tax-free lump sum, a regular income, or both, but stay on in your home as a tenant, paying no rent.

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We offer a comprehensive 'whole of the market' range of lenders, from high street names to small niche providers for unique and complex situations.

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We'll arrange a call with a qualified mortgage advisor who will quickly find the right products for your requirements. There is no sales team and the advice we give is independent.

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If you are looking to get in touch with us to we have a number of ways you can reach us.

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