Release the Value Locked in Your Home
Get tax-free cash from your property with expert guidance from UK equity release specialists.
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How It Works
We connect homeowners aged 55+ with trusted, FCA-regulated equity release advisers who search the market to find the best plans for your needs.
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Share a few details about your property and circumstances.
Understand your options
See how much tax-free cash you could release and compare plans.
Receive personalised guidance
Get expert insight from lifetime mortgage specialists.
What Is Equity Release?
Equity release allows eligible homeowners to unlock the value tied up in their property without selling or moving. Access tax-free cash while you continue to live in your home.
Repaid when your property is sold
No negative equity guarantee — never owe more than your home's value
Understand the impact on inheritance and benefits
Who's Eligible?
Eligibility depends on factors including your age, property value, type and location. You'll typically need to own your home and meet certain age requirements depending on the product type.
| Requirement | Payment Term Lifetime Mortgage | Lifetime Mortgage |
|---|---|---|
| Minimum Age | 50+ | 55+ |
| Affordability Assessment | Required | Not Required |
| Property Ownership | Own or buying, with small/no mortgage | Own your home |
| Minimum Property Value | £70,000 - £100,000+ | £70,000+ |
| Amount You Can Access | Usually £10,000+ | Usually £10,000+ |
Exact requirements vary by lender and product. Our advisers will help you find the right option for your circumstances.
Why Choose Us
Experienced UK-based specialists
Regulated by the Financial Conduct Authority (FCA).
Personalised guidance
Tailored to your financial goals and circumstances.
No commitment required
Get an initial estimate with no obligation.
Frequently Asked Questions
Common questions and misconceptions about equity release
With a No Negative Equity Guarantee, you or your loved ones will never owe more than the value of your home. This protection is included with most equity release plans, giving you peace of mind that your family won't inherit any debt.
With a lifetime mortgage, the provider won't look to reclaim any money until the last surviving borrower moves into permanent care or passes away. Your home remains yours to live in for as long as you need it.
Yes, you can usually sell your home and move to another property after releasing equity. Most plans allow you to transfer your equity release to a new property, subject to your provider's approval. It's worth discussing this with your adviser when setting up your plan.
It depends on the product. With a standard lifetime mortgage, you can usually choose whether to make monthly interest payments. If you don't, the interest is added to the loan.
Not with a lifetime mortgage. In fact, paying off an existing mortgage is one of the most common reasons for taking out equity release. Any remaining funds after clearing your mortgage can be used however you choose.
Interest rates vary between providers and products, and are typically fixed when you take out the plan. This means your rate won't change over the lifetime of your plan, making it easier to understand the long-term implications.
Yes, many homeowners use equity release to cover care costs, home adaptations, or long-term care fees. The loan is repaid when the last surviving borrower dies or moves into permanent care, and this should be factored into your planning.
Equity release can affect inheritance tax planning. For example, gifting money to family members may create tax implications depending on timing and estate value. We recommend discussing tax matters with a qualified adviser or tax specialist.
Yes, it's possible to release equity from leasehold properties, though providers will check details like lease length and service charges. For shared ownership, you typically need to own 100% of the property before releasing equity.
Yes, releasing equity can be used to settle outstanding debts such as an existing mortgage, personal loans, or credit cards. An adviser will help determine whether this is a cost-effective solution for your circumstances.
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Use the Calculator NowOur specialist partners are authorised and regulated by the Financial Conduct Authority.
Equity Release Market acts as an introducer to equity release specialists and does not provide financial advice itself.
A lifetime mortgage is a long term commitment which could accumulate interest and is secured against your home. Equity release is not right for everyone and may reduce the value of your estate.