Equity Release

Enjoy your retirement without selling your home.

If you’re aged 55 or over and own your home, equity release could allow you to access some of the money tied up in your property — tax-free — without having to move.

Whether you want to boost your retirement income, help your children onto the property ladder, or pay off existing debts, equity release could be an option worth exploring.

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What is Equity Release?

Equity release lets you access part of your home’s value while continuing to live in it. The money you release can be taken as a lump sum, regular income, or a combination of both.

There are two main types of equity release:

Lifetime Mortgage

• Most commonly chosen by people accessing equity in their homes.

• You borrow a portion of your home’s value, with interest typically added to the loan over time.

• The loan is usually repaid when the property is sold after you pass away or move into long-term care.

• You retain full ownership of your home.

Home Reversion Plan

• You sell a share (or all) of your home to a provider in exchange for a tax-free lump sum.

• You can usually continue living in the property for life, depending on the terms of the agreement.

• The provider receives their agreed share when the property is eventually sold.

• Home reversion plans are offered by referral only.

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Is Equity Release Right for You?

Equity release can be a useful financial option, but it may not be suitable for everyone. It could affect your tax position, eligibility for certain benefits, and the value of your estate. This is why regulated advice is important before making any decisions.

You may consider equity release to:

• Top up your retirement income
• Clear an existing mortgage or debts
• Provide financial help to family members
• Fund home improvements
• Enjoy greater financial flexibility in retirement

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Safe and Regulated

As a qualified equity release adviser, I only recommend plans from lenders who follow standards set by the Equity Release Council. These plans may include protections such as:

• No Negative Equity Guarantee – you will not owe more than your home’s value, subject to lender terms.
• Right to remain in your home for life – as long as it remains your main residence and according to provider conditions.
• Fixed or capped interest rates – to provide clarity and security, depending on product terms.

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Let’s Talk About Your Options

Equity release is an important financial decision. I can help explain the options available and whether it may be suitable for your circumstances.

Get in touch today for a no-obligation conversation.

Equity release will reduce the value of your estate and may affect your eligibility for means-tested benefits.