Equity Release
Equity release is a specialist mortgage product designed for homeowners aged 55 and over who wish to unlock the value tied up in their property without needing to move.
It allows you to access a tax-free lump sum or receive regular payments, while continuing to live in your home.
How It Works
Equity release mortgages typically have no fixed end date, meaning they run for the rest of your life or until you move into long-term care.
There are two main types of equity release options:
Interest-Only Equity Release
Make monthly interest payments to keep the balance the same over time – helping to protect the value of your estate for inheritance.Interest Roll-Up (Lifetime Mortgage)
Make no monthly payments. Instead, interest is added to the loan, and the full amount is repaid when the property is sold.
Key Features
- Available to homeowners aged 55+
- Stay in your home for life
- Choose how you receive funds (lump sum or flexible drawdown)
- Optional inheritance protection
- No negative equity guarantee with regulated plans
Is Equity Release Right for You?
Equity release can provide financial freedom in later life – but it’s a long-term commitment and may affect your estate or eligibility for benefits. That’s why expert advice is essential.
Contact us today for a free consultation and find out if equity release is the right option for you.