What is Equity Release and how does it work?

First things first, Equity Release is safer than ever. It’s regulated by the Financial Conduct Authority (FCA) and overseen by the Equity Release Council (ERC). ERC-approved plans carry a no negative equity guarantee, so you'll never owe more than your home's worth.

What is Equity Release?

Equity Release is a way of unlocking the value from your property and turning it into a lump sum of cash or smaller amounts over time. It is money that can be used without restriction.

There are both pros and pitfalls to releasing equity. That is why we’ll put you in touch with an industry expert to discuss the options available to you and answer any questions you may have for a free, no obligation quote before you decide if Equity Release is the right choice for you.

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How does Equity Release work?

Product innovation is giving homeowners more choice than ever before. Two clear options are:

Lifetime Mortgage - A loan is secured on your home, but you can keep living in it. Usually, there are no monthly payments to be made. When you pass away, or go into permanent care, your home is sold. The proceeds are used to repay the loan and any interest.

Home Reversion - You can sell some or all of your home to an Equity Release provider. The money can be paid as a lump sum, in instalments or both. It's still your home until its sold. Any remaining share could be ring-fenced and left in a will.

Having more options is never a bad thing; but it means there's more to think about. That's why you should talk to an expert.

Get a Free Equity Release Quote

Is it safe to release equity?

Equity release is safer than ever. It's regulated by the Financial Conduct Authority (FCA) and overseen by the Equity Release Council (ERC). ERC-approved plans carry a no negative equity guarantee, so you'll never owe more than your home's worth.

Equity release gives you the opportunity to release funds to spend the way you want however it is important to consider all aspects before you make the decision if it’s right for you and your individual circumstances.

Find Out How Much You Could Release

Still interested and want to get your FREE quote?

Step 1: Select why you want to release equity below.

Step 2: Answer a few questions using our online form.

Step 3: Speak to an industry expert to guide you through your options.

Select how you want to use the money: