How we help you

If you’re a homeowner aged 55 and over, we can help you release some of the tax-free cash tied up in your home. Before finding and recommending the plan that suits your needs, we take the time to understand you and your current financial situation.

Open, honest whole of market advice

The first step to releasing the cash from your home should always be to get advice from a specialist adviser. It’s a regulatory requirement and you can’t take out an equity release plan without this. That’s where we can help! We offer a free initial adviser call, so you’ve got the chance to:

  • Find out what equity release involves
  • Ask any questions that you have
  • Explore your alternatives
  • Learn about the features and protection that come with some plans
  • Get a personalised recommendation
Get advice

Working with all lenders

You can be sure to get the right plan for you by coming to us. Firstly, we take the time to fully understand your goals, then we go away and search the whole equity release market to find the best deal for you. We don’t just compare rates but will look at the features too, to perfectly match you to a plan that fulfils all of your requirements.

Your equity release journey

Releasing the cash from your home is a big financial decision – our main role is to make sure it’s the right one for you. From answering your questions, to giving you personalised advice and recommending the right plan, through to your cash being released, we’re with you every step of the way.

Inviting your loved ones to your appointments gives them the chance to understand equity release and ask any questions they may have. We always recommend getting them involved but if you’d rather not include anyone else, we’ll always respect your decision.

Step 1: Fact find adviser call
During your first, no-obligation fact find call, your adviser will talk you through the ins and outs of equity release and answer any questions you may have. This will include discussing your alternatives and making sure they fully understand your current financial situation and future goals.

Step 2: Your personalised recommendation
After speaking with you, if we don’t think equity release is right for you, we’ll tell you. But if both you and your adviser agree that it is, we’ll search hundreds of plans from the whole market to find the best plan for you. This personalised recommendation will be posted out to you for you to read at your leisure.

Step 3: Advice call
Your adviser will arrange a convenient time to talk you through your recommended plan. It will include the amount you could release, the plan’s features and benefits, interest rates and its terms and conditions. They’ll also answer any questions you might have.

Step 4: Your application
After speaking to us, if you’re then happy to go ahead, your adviser will submit the paperwork to the lender on your behalf. Your chosen solicitor will be instructed, and your property will be valued.

Step 5: Your offer and legalities
Following your valuation you will receive an offer from the lender. After that is signed it’s just a case of letting the solicitors do all of the legalities and getting your completion date. They will also arrange any fees to be paid and if you are paying an existing mortgage off this will be done in the same transaction too.

Step 6: Your cash arrives in your bank
Usually from offer to your receiving your cash takes 8-12 weeks. Your adviser is on hand throughout this whole process.

Book a no-obligation call

What our customers say

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

Protection and regulation

To get you the best financial outcome our advice is tailored to you and delivered by fully-qualified equity release experts. We’re authorised and regulated by the FCA and 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 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 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

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