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.

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

• The most popular option.

• You borrow a portion of your home’s value, with interest rolled up over time.

• The loan is repaid when you die 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 live in your home rent-free (or for a nominal rent) for life.

• The provider gets their share back when the property is sold.

Is Equity Release Right for You?

Equity release can be a powerful financial tool, but it’s not for everyone. It could affect your tax position, benefits, and the value of your estate. That’s why regulated advice is essential.

You may be considering equity release to:
Top up your pension income
Clear a mortgage or debt
Help family members financially
Fund home improvements
Enjoy retirement to the fullest

Safe and Regulated

As a qualified equity release adviser, I only recommend plans from Equity Release Council-approved lenders, which include key protections such as:

• No Negative Equity Guarantee – You’ll never owe more than your home’s value.

• Right to remain in your home for life – as long as it’s your main residence.

• Fixed or capped interest rates – for clarity and security.

Let’s Talk About Your Options

Equity release is a big decision—but it doesn’t have to be overwhelming. I’ll help you understand your choices and whether it’s the right path for you.

Get in touch today for a no-obligation conversation.