Unlock tax-free cash
without the stress of moving

Whatever your financial goals your advisor can compare hundreds of equity release plans to help you achieve them. So, whether you want to guarantee an inheritance, or have no monthly repayments to make, they can find the right plan for you.

100% independent

Equity Release Associates are not tied to any lender so they can compare the whole market.


A no negative equity
guarantee comes as standard.

Honest advice

Expert advice with no
pressure or obligation to proceed.

Getting started

Get a quick quote

Use our free equity release calculator to find out in minutes if you qualify and how much you could release.

Calculate now

Speak to an advisor

Book a free Fact Find call to find out from an experienced Financial Advisor if equity release is right for you.

Book advisor call


It’s important that you fully understand equity release before taking out a plan.

Find out more

The 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. The rate you get will depend on your individual circumstances.

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

Can I say a huge thank you for all your time and patience in explaining and ensuring that I have the best contract for my needs. It was clear that your guidance was not money driven but a concern for my future welfare and again I thank you. I would have no hesitation in recommending your services to anyone in the future.

Mrs C Trigg, Nottinghamshire

From the outset our adviser encouraged us to explore our scepticism thoroughly and this inspired confidence. He listened patiently and carefully assessed our rather complicated set of requirements. He acted in a totally professional yet friendly way, continuously ensuring that we had understood the options and the implications of any decisions to be made. He encouraged us to move at our own pace, retracing steps – sometimes several times – ensuring that equity release was right for us.

Mr and Mrs JD, Berkshire

My husband and I were very happy with the advice our adviser gave to us re equity release. There were several questions I had in relation to releasing some money but had not thought them through. Our adviser explained everything very clearly and I didn’t feel the push to go ahead some firms give. I felt that either way the decision was ours to proceed or not.

Mrs Colley, Wales

Our adviser James was extremely helpful and went through all options with us. He listened to what we wanted and explained everything and took his time.

What really impressed me with James was that instead of thinking of himself he was genuinely trying to find the best option for us, which in today’s world does not happen. I would certainly recommend James to anyone as he is honest, reliable and makes you feel at ease.

Mrs D Pepper, Lancashire

Safeguards for you and your beneficiaries

Equity Release Associates are members of the Equity Release Council, all of the plans they 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 have to repay 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 Equity Release Associates offer UK whole of market advice.

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