Compare the whole equity release market

To find the best equity release deal for you we compare all equity release plans from the whole market. But before doing that we ask you the right questions to perfectly match you to the features that matter to you.

Find the best equity release rate

Lifetime mortgage interest rates range from under 3% to over 6%. That’s why we’re proud to be independent; meaning we’re not tied so any lender, so can search the whole equity release market to get you the very best rate for your individual circumstances. Potentially saving you (or your estate) thousands of pounds over the life of your plan.

Here’s an example with an interest rate of 6% compared to 3%:

6% Interest3% Interest
YearLoanInterestTotal OwedLoanInterestTotal Owed


Even in just 5 years the difference to your loan could be £8,947!

It’s important to remember that:

  •  although your equity release loan will be growing, hopefully so will the value of your property.
  • you can pay the interest each month to with an interest only lifetime mortgage so that your loan amount remains the same.
  • if you take out a drawdown lifetime mortgage you only pay interest on the money released.

You can find out instantly how much you could release with our equity release calculator.

Calculate release amount

It’s not all about rate – other factors to compare

Rate is important, but actually matching you to a plan that will match your requirements now and in the future is even more so.

Modern day equity release plans are not all the same – many come with a range of ‘features’. So if you want to guarantee an inheritance, make voluntary repayments or downsize in the future it’s important that the plan you are recommended reflects that.

With hundreds to choose from it’s imperative that you get advice from a fully qualified adviser with industry-specific experience. They will ask you the right questions to fully understand your current financial position and needs for the future. By doing so you will:

  • Pay only the interest that you need to.
  • Be protected for any changes in the future.
  • Release the correct amount.
  • Have the flexibility to make payments (or stop) as your finances change.
  • Explore and understand your options and alternatives.

You can find out about equity release and get a personalised recommendation from one of our expert advisers free of charge.

Get advice

Equity release plans to compare

There are two main types of equity release plans – lifetime mortgage and home reversion:

Lifetime mortgage

You take out a loan secured on your property while retaining ownership. The loan amount and any accrued interest is paid back when you pass away or when you move into long-term care. Most people who take out equity release use a lifetime mortgage. In the same way ordinary mortgages vary from lender to lender, so do lifetime mortgages.

Explore lifetime mortgages

Home reversion

You sell part or all of your home to a home reversion provider in return for a lump sum or regular payments. You have the right to continue living in the property until you pass away, rent free, as long as you maintain and insure it. At the end of the plan your property is sold and the sale proceeds are shared according to the remaining percentages of ownership.

Explore home reversions

Comparing plans is easy – we do it for you!

Our friendly advisers can help you to explore equity release – and the alternatives – with no jargon, pressure or bias, without it costing you a penny.

They will take the time to fully understand your needs now and in the future. Then they’ll search the whole market based on what’s important to you – selecting the best plan from hundreds available.

Your personalised written recommendation will include comparisons and their reasons for choosing the plan they did for you. You can then talk it all through with your loved ones at your own pace.

They will also help you to consider all of the ‘Things to think about‘. Only if you decide to go ahead we charge an advice fee of £995, payable on completion.

Speak to an adviser

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 adviser

Book a free Fact Find call to find out from one of our experienced advisers if equity release is right for you.

Book adviser call

Download our guide

Packed full of information, our guide is the perfect starting place for anyone considering equity release.

Download guide