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Download our guide
Packed full of information, our guide is the perfect starting place for anyone considering equity release.
Download guideThe facts about equity release
Spend the money however you like
Popular uses include repaying debts or an interest-only mortgage, making home improvements and helping loved ones.
Get a fixed low rate for life
Interest rates have dropped in recent years with many plans now below 3%. This is fixed for the life of the plan.
Still provide an inheritance
To be sure of leaving an inheritance for your loved ones some plans enable you to protect a percentage of your property.
No negative equity guarantee
Whatever happens to the value of your home you can never owe more than the price it’s sold for, meaning no debt can be passed on.
Repayments your way
There are typically no monthly repayments to make, but with some plans you can make payments to reduce interest.
Live in your home for life
You have the right to live in your home (rent free) for life: until you pass away or move into long-term care.
Don’t just take our word for it
Safeguards for you and your beneficiaries
As members of the Equity Release Council, all of the plans we recommend meet their standards, so that you:
- Have the right to remain in your home for as long as you want, or until you move into full time residential care
- Have the freedom to move to another property without financial penalty (subject to criteria)
- Will never owe more than the value of your home with the no negative equity guarantee
It’s important you know
Throughout your equity release journey your dedicated adviser will be with you every step of the way. They will help you to decide if it’s right for you, without obligation and without it costing you a penny.
Should you decide to go ahead we offer UK whole of market advice which we charge a fee of £995 for, payable only on completion.
If you are considering equity release, we recommend that you read through ‘Things to think about‘. Equity release will reduce the value of your estate and may affect your entitlement to means-tested benefits.
Things to think about