Compare top plans from the the UK’s leading equity release providers and explore how much tax-free cash may be available to you.
Retain 100% Home Ownership*
Access Tax-Free Cash
No Monthly Repayments Required
Equity release allows homeowners aged 55 or over to unlock some of the value tied up in their property and access it as cash, without having to sell their home.
The most popular type of equity release is a lifetime mortgage, which is a loan secured against your property. Depending on the plan, you can release the money as a single cash lump sum or take an initial lump sum followed by smaller amounts when needed.
To compare equity release options from the UK's leading providers, including available cashback offers and the maximum amount you could release, simply complete our short form.
The amount you could release will depend on factors such as your age, property value, any outstanding mortgage and the lender's criteria. Different providers offer different maximum release amounts, so comparing your options could help you understand how much may be available.
Potentially. You may still qualify for equity release if you have an outstanding mortgage. However, your existing mortgage will normally need to be repaid using some of the money released or other available funds. This could reduce the amount of cash you receive.
Not necessarily. Many lifetime mortgages allow you to make no monthly repayments, with the loan and accumulated interest typically repaid when the last borrower dies or moves permanently into long-term care. Some plans also allow voluntary repayments. If interest is added to the loan, it can compound over time and increase the amount owed.
Equity release can reduce the value of your estate and the amount you leave to your beneficiaries, particularly where interest accumulates over time. Some lifetime mortgages offer inheritance protection options, allowing you to protect a proportion of your property's value, subject to the provider's terms.
Potentially. Many lifetime mortgage plans allow you to transfer your mortgage to another suitable property, subject to the lender's approval and criteria. If your new property isn't suitable, you may need to repay the mortgage, and early repayment charges could apply.
Yes. Releasing equity from your home could affect your eligibility for means-tested benefits, such as Pension Credit, depending on your circumstances and how the money is held or used. It's important to consider the potential impact before proceeding with an equity release plan.
Depending on the provider and plan, costs may include arrangement fees, property valuation fees, legal fees and specialist advice fees. Early repayment charges may also apply if you repay your lifetime mortgage ahead of the agreed terms. It's important to understand the overall costs before deciding whether equity release is suitable for you.
Yes, a specialist can answer your questions, discuss any concerns you may have and help you understand whether equity release could be right for you. They'll explain your available options and any important considerations, so you can make an informed decision with no obligation to proceed.
Find out how much you could release from your property and compare equity release plans from leading UK providers.
Equity release may involve a home reversion plan or a lifetime mortgage, which is secured against your property and will reduce the value of your estate and impact funding long-term care.
Equity release requires paying off any existing mortgage. Any money released, plus accrued interest would be repaid upon death, or moving into long-term care.
Advice is required before proceeding with equity release.
Equity release reduces your estate's value and may affect any means-tested benefits you're eligible for. A lifetime mortgage, which is a loan secured against your home, is the most popular form of equity release and you will still own your home. Think carefully before releasing equity and make sure it’s right for you.
Initial advice is provided for free and without obligation. Only if your case completes would an advice fee be payable. Other lender and solicitor fees may apply. The adviser will provide more details.
There are no fees or charges associated with using this website. The service is free, we do not charge you for this service. Our partner FCA authorised broker pays us an introductory fee only. We do not receive any other payment regardless if you take out a plan or not.