Best Equity Release Companies
John Lawson
John Lawson
(Rated from 181 reviews)
Last updated 08 July 2020

Best Equity Release Companies

The Best Equity Release Companies Reviewed & Compared

I think you will agree with me when I say:

It’s challenging trying to find the best equity release company that perfectly suits your needs!

Or is it?

Well, it turns out, that after years and thousands of hours researching; 50 lender considerations, 300 consumer and five expert consultations, we have defined opinions on what classifies an equity release company as perfect: favourable interest rates, A+ customer reviews, and wide-ranging deals.

Nationwide Equity Release Company is the best overall equity release plan provider; it has all the listed features, and it has a clean edge over its competition. James Woods, one of the company’s loyal clients, took out a lifetime mortgage plan  with the company two years ago, and he accredits his financial capability and hassle-free retirement with Nationwide.

He loves the fact that Nationwide has an A+ customer review rating and that it’s a certified member of the ERC1  , so he is safeguarded by the Council’s statement and principles. It’s also one of the highest-rated equity release lenders and offers affordable interest rates, the ‘no negative guarantee scheme’ and flexible lifetime mortgage schemes like the voluntary payments plan2  . He has vowed to continue using the company’s services and regrets anytime he wasted considering other equity release providers.

So, if you want to register and get your lifetime mortgage or home reversion plan from a reliable and convenient source, one that offers you reasonable fees and flexible terms, and a company that has top-notch credentials and an excellent reputation, make sure get the best equity release quotes from these top ten equity release plan providers.

Comparing Equity Release Plan Providers

Are you property rich but cash flow tight? Well, if you are, you’ll appreciate how vital it’s to have money in place and the freedom to actualise your dreams and needs.

However, if you don’t have a solid plan, living comfortably and actualising those dreams seems like a fantasy. That’s where equity release comes in handy.

An equity release plan enables homeowners over the age of 55 to unlock the value in their estate by converting it into a cash lump sum or regular income. These plans don’t require you to make any monthly repayments and allow you to continue owning and living in your home until you breathe your last breath, or move into permanent care. Only then is the plan customarily repaid from the sale of your residence.

Given how long they run for, you need to make an informed decision on the company that will help you with the process. You have to ensure that they give you the best equity release plan for your circumstances and you can only achieve that through a thorough comparison of the plan providers across the market to find the most favourable rate.

The Best Equity Plan Providers in 2020

With more than fifteen equity release companies including banks on the market, coming to a final decision on the company that represents your needs best can be confusing; especially with each of them offering slightly different services and interest rates.

Some providers may impose a higher age limit than the industry minimum standard; others will have high-interest rates and fees, while others can only allow you to release a fixed amount of equity3  . So, when you put some of these issues into consideration, you can agree that it’s vital to compare them to find the ideal one.

That said, here is a guide on the best equity release plan providers. Hopefully, you will find one that will cater to your needs.

Top Ten Equity Release Scheme Providers

#01. Age Partnership

Age Partnership equity release was developed in 2004, and it offers a tailored range of equity release products. It has a 97% trust score in various independent review sites, and it has won several awards inclusive of ‘The Best Equity Release Advisor Customer Service Highly Commended Award’ in 2017.

The FCA regulates the company’s equity release plans, and they heed to the statements and principles stipulated by the Equity Release Council.

Age Partnership Options

Age Partnership Equity Release is an efficient equity release brokering company that compares equity release throughout the market as opposed to offering you a single lifetime mortgage product, like most companies.

Due to Age Partnership’s prominent position in the equity release market, it has a preferential rates agreement with leading plan providers; rates that may not be directly accessible to you or through IFA’s.

Thus, by using their services, it means that you’re eligible to:

  • Preferential low lifetime mortgage4  rates that can save you thousands of capital in terms of interest
  • Cash bonuses
  • Free estate valuations

Since they compare equity release products across the market, their services include, but is not limited to:

  • LV
  • Legal & General
  • Hodge Lifetime
  • Aviva
  • Just Retirement
  • Pure Retirement
  • More 2 Life

Other Features and Qualification Considerations

  • Minimum Age Limit: 55 years
  • Maximum Age Limit: 95 years
  • Interest Rates Offered: Preferential Low Lifetime Mortgage Rates
  • Customer Review Ratings: A++
  • Special Features: No Negative Equity Guarantee 

If you need more information on AGE Partnership, use our calculator and see how much you can release.

#02. Nationwide

Nationwide is a new independent entrant to the equity release market (in November 2017). It’s the UK’s highest-rated building society, with about 15 million members and one of the largest lifetime mortgage providers, currently.

It offers you a whole range of products – ensuring you receive the best equity release interest rates, incentives, and cash back options.

The FCA (Financial Conduct Authority) regulates the Nationwide equity release plans, and they’re certified members of the Equity Release Council, which means they have voluntarily agreed to abide by the codes of their membership.

Nationwide Options

The company offers a wide range of flexible lifetime mortgage options that still pays out an initial lump sum of equity. However, it also provides you with the choice to have a cash reserve facility that provides you with easy access to your capital and does not affect your means-tested benefits.

It’s a more cost-effective option since you only get to pay interest on the cash you withdraw and not the one in reserve.

The minimum initial loan with this plan is £10,000, with a minimum of £5,000 in the cash reserve.

Nationwide also offers more favourable interest rates depending on your health records and lifestyle conditions.

Other Features and Qualification Requirements

  • Minimum Amount of Equity Offered: £10,000
  • Maximum Amount of Equity Offered: £460,000
  • Minimum Age Limit: 55 years
  • Maximum Age Limit: 85 years
  • Interest Rates Offered: Depends on how risky the loan is, but for the early repayment plan, it’s 6%
  • Customer Review Ratings: A+
  • Special Features:
    • No Negative Equity Guarantee 
    • Inheritance Protection Guarantee
    • Voluntary Partial Repayment 

If you need more information on Nationwide, use our calculator and see how much you can release.

#03. Legal & General

Legal & General (L&G) is one of the world’s largest equity release plan providers and one of the UK’s leading pension fund asset managers.

As a certified member of the Equity Release Council, it abides by their guidelines and codes, and it endorses the ‘no negative equity guarantee.’ The FCA also regulates its services, and the company has won several awards.

L & G Options

It offers two varieties of the lifetime mortgage plan. They include the:

  • Flexible Lifetime Mortgages
  • Premier Flexible Lifetime Mortgage

The Flexible Lifetime Mortgage offers you a chance to borrow money as either a single tax-free cash lump sum or in smaller amounts (drawdowns).

The minimum you can borrow with this plan is £10,000, and the maximum will be dependent on your age and value of your estate. You can also opt to drawdown5  a minimum of £2,000 at any time with no fees. You will only be charged the interest rate at the time of the withdrawal; not your original application. It also comes with the ‘no negative guarantee,’ and it gives the freedom to choose the inheritance protection option at no extra costs.

With this plan, you can be sure that your family will have something left after you die.

The Premier Flexible Lifetime Mortgage, on the other hand, works similarly to the standard flexible lifetime mortgage option, but it offers you a minimum of £250,000.

Legal & General equity release also offers other favourable plans, and you can access them on their website.

Other Features and Qualification Considerations

  • Minimum Amount of Equity Offered: Dependent on the plan, but it ranges from £10,000 to £250,000
  • Maximum Amount of Equity Offered: No limit specification
  • Minimum Age Limit: 55 years
  • Maximum Age Limit: 75 years
  • Property Minimum Value: £100,000 and £150,000 for ex-council property
  • Interest Rates Offered: Depends on how risky the loan is
  • Customer Review Ratings: A+
  • Location: Scotland, Wales, England
  • Special Features:
    • No Negative Equity Guarantee 
    • Inheritance Protection Guarantee (at no extra costs)

 L & G also work with ‘The Retirement Lending Advisers’ to aid in advising you on which plan best caters to your needs. They don’t charge for this service, but they only offer advice on L&G market products and not equity release schemes available with other companies.

If you need more information on L&G, use our calculator and see how much you can release.

#04. Aviva

Aviva equity release, one of the most established equity release plan providers in the UK, have made available lifetime mortgage plans to over 150,000 consumers since 2000.

The company has over 30 million consumers worldwide, and it provides a wide range of lifetime mortgage products.

The FCA authorises it, and it’s a certified member of the Equity Release Council.

Aviva has also won several awards in the equity release docket including the Best Equity Release Provider in 2016.

Aviva Options

The company offers two lifetime mortgage plans, and subject to its terms and conditions, both options allow you to remain in your residence until you (and your partner if you take a joint lifetime mortgage scheme) pass on or move into permanent care. They include:

  • Lifetime Lump Sum Max
  • Aviva Flexible Plan

The Lifetime Lump Sum Max Plan enables you to unlock a minimum lump-sum payment of £15,000 or more with the option of borrowing a more substantial amount at a later date, subject to your age and property value.

The Aviva Flexible Plan, on the other hand, offers you either a single lump sum or a drawdown option. It also offers you a minimum initial loan of £10,000, with a minimum of £5,000 in the cash reserve for future use.

Aviva Equity Release also provides you with favourable interest rates that are dependent on your health and lifestyle conditions.

Other Features and Considerations

  • Minimum Amount of Equity Offered: £15,000
  • Maximum Amount of Equity Offered: No limit specification
  • Minimum Age Limit: 55 years
  • Maximum Age Limit: 80 years
  • Property Minimum Value: £75,000 (and it should not be unoccupied for more than six months)
  • Property Condition: Freehold (Aviva can accept if 160 years are remaining on the lease)
  • Interest Rates Offered: Depends on how risky the loan is
  • Customer Review Ratings: A+ BBB
  • Special Features:
    • No Negative Equity Guarantee 
    • Inheritance Protection Guarantee
    • Voluntary Partial Repayment

The Aviva Lifetime Mortgage Plans are designed to last for life, but they also offer you the option of having ‘early repayment plans.’

If you need more information on Aviva, use our calculator and see how much you can release.

#05. Liverpool Victoria (LV=)

Liverpool Victoria (LV) equity release, popularly known as LV=, is a leading financial company in the UK with over one million clients who have unlocked the value of their homes through equity release schemes. It’s one of the few equity release companies that offer the holiday home or second home lifetime mortgage plans in the UK.

LV= has been in the equity release game since 2002, and it’s authorised by the FCA and a certified member of the Equity Release Council; so you can be reassured that it has a ‘no negative equity guarantee’, as well as complies with the rest of the Equity Release Council’s guidelines and principles. 

The company has also won several awards including the 5-star awards for Equity Release Services for its Flexible Lifetime Mortgage.

LV= Options

Liverpool Victoria offers two great lifetime mortgage plans. They include the:

  • Lifetime Mortgage Lump-Sum Plus
  • Flexible Lifetime Mortgage

The Lifetime Mortgage Lump Sum + Plan allows homeowners who are 60 years old to release cash that ranges from 25% of your estate’s value, and up to 55% for those aged between 90 to 95.

It also allows you to borrow a minimum single lump sum payment of £10,000, meaning that the fees and interest rates are lower compared to LV’s flexible lifetime mortgage. Any future borrowing can be available depending on your circumstances and the terms and conditions of the equity release plan at the time.

True to its name, the Flexible Lifetime Mortgage offers you more flexibility as compared to the Lump Sum Plus Plan. You can decide to unlock the value of your home either through a lump sum or a drawdown plan.

The amount of cash you withdraw with this plan ranges from 20% of the value of your residence for 60-year-olds and at 50% for those aged between 90 and 95.  The minimum amount you can unlock is about £10,000 and the maximum can be three times your original loan or if lower, the highest amount will be against the value of your residence.

It has a minimum withdrawal limit of £2,000, and you can unlock the maximum loan available to you from a period of 15 years. However, you can only make one withdrawal each year, and your provider will charge an interest that will be dependent on the rates at that time and not as per the initial loan agreement.

Other Features and Qualifications Considerations

  • Minimum Amount of Equity Offered: £10,000
  • Maximum Amount of Equity Offered: No limit specification
  • Minimum Age Limit: 60 years
  • Maximum Age Limit: 95 years
  • Property Minimum Value: £70,000
  • Property Condition: Freehold, bungalow, or flat. If it’s of leasehold, it may be accepted. However, the lease should have between 70 to 90 years remaining dependant on your age
  • Location: England, Scotland or Wales including the Isle of Wight and Anglesey
  • Building Materials: In excellent condition, well maintained and designed of conventional bricks and mortar (other building materials may be considered)
  • Interest Rates Offered: Depends on how risky the loan is
  • Customer Review Ratings: A+
  • Special Features: No Negative Equity Guarantee 

You should also note that the LV equity release interest is compounded annually and not monthly, like with other plan providers. It can make a massive difference over ten years.

If you need more information on LV, use our calculator and see how much you can release.

#06. Just

Formerly referred to as Just Retirement equity release and established from a merger of Just Retirement and Partnership Assurance, the company offers three equity release plans and provides its consumers with flexible terms that allow you to borrow more based on your health and lifestyle choices.

The FCA regulates it, and it’s a certified member of the Equity Release Council.

It has also won several awards including the ‘5-star in the ‘Life and Pensions’ Category by the Financial Adviser Service Awards for the last twelve years, and the ‘5-star for the ‘Mortgages’ Category, nine years in a row. 

Just Options

It has three equity release options, and they include:

  • Just Drawdown Lifetime Mortgage
  • Lump Sum Lite Lifetime Mortgage
  • Just Lump-Sum Plus Lifetime Mortgage

The Just Drawdown Lifetime Mortgage Plan is accessible to consumers above 60 years, and it enables you to release a minimum of £10,000 and a maximum of £600,000 if you live in England and £250,000 if you live in Wales, Scotland or Northern Ireland, depending on your age and estate value.

You can opt to release the cash in a single lump sum or smaller amounts. Therefore, you will only pay interest on the initial amount you unlocked, based on the rates at the time of every withdrawal.

The cash reserve accessible will be limited to the lower amount of either three times the start-up loan or the maximum amount you can borrow based on your age and the value of your residence.

The Lump Sum Lite Lifetime Mortgage Plan is for those aged 60 and above and whose property is worth at least £70,000 and located in Scotland, Wales or England. 

It also serves those that need to unlock a single lump sum payment without having to withdraw any additional sums in the future. The amount of money you release is higher than that of the drawdown lifetime plan, but their interest rates are higher too. If you need to borrow more, you’ll have to wait till six months are up, but it all depends on your eligibility.

The amount you release is dependent on your age and the value of the estate with a minimum amount of £10,000 and a maximum of £600,000 in England and £250,000 in Scotland and Wales.

The Lump Sum Plus Lifetime Plan is available to those aged 60 and above and with an estate value of at least £70,000 in Wales, England, and Scotland.

It provides you with the choice to maximise the lending potential against your property. The standard loan to value is typically higher than that of the Drawdown Lifetime mortgage, but it also comes with a higher interest rate. Moreover, the Just Underwriting team also considers your health and lifestyle, thus offering you the option of borrowing a more considerable amount.

Other Features and Qualification Considerations

  • Minimum Amount of Equity Offered: £10,000
  • Maximum Amount of Equity Offered: £600,000 if you live in England and £250,000 Wales, Scotland or Northern Ireland
  • Minimum Age Limit: 60 years
  • Maximum Age Limit: 90 years
  • Property Minimum Value: £70,000
  • Location: England, Scotland or Wales for all plans and Northern Ireland for the drawdown lifetime mortgage scheme
  • Interest Rates Offered: Depends on how risky the loan is
  • Customer Review Ratings: A+
  • Special Features: No Negative Equity Guarantee 

If you need more information on Just, use our calculator and see how much you can release.

#07. More 2 Life

More 2 Life equity release was established in 2008 and is known as the most prominent innovator in the lifetime mortgage market and among the largest equity release firms in the UK.

The FCA fully authorises it, and it only deals with fully qualified, independent advisers. As a board member of the Equity Release Council, it adheres to the body’s standards and principles that ensure the fair treatment of customers.

More 2 Life Options

The Lump Sum + Plan enables homeowners who are aged 60 years and above to borrow money that ranges from 20% to 50% of your estate’s value. It also allows you to acquire a minimum single lump sum payment of £10,000, and any future borrowing can be available depending on your circumstances and the terms and conditions of the equity release plan at the time.

Other Features and Qualification Considerations

  • Minimum Amount of Equity Offered: £10,000
  • Maximum Amount of Equity Offered: No Limit specification
  • Minimum Age Limit: 60 years
  • Maximum Age Limit: 90 years
  • Property Minimum Value: £70,000
  • Location: England, Scotland or Wales
  • Interest Rates Offered: Depends on how risky the loan is
  • Customer Review Ratings: A+
  • Special Features: No Negative Equity Guarantee 

If you need more information on More2Life, use our calculator and see how much you can release.

#08. Hodge Lifetime

Incorporated in 1965 and an exclusively owned subsidiary of Julian Hodge Bank Limited, Hodge equity release offers you the best mortgage companies and plan options.

It’s a founder member of the Equity Release trade body and is one of the most established equity release lenders, whose primary focus is committed to the retirement market.

The FCA regulates the company’s services, and it’s a member of the Equity Release Council.

It has also won several awards inclusive of the ‘Best Lender for Older Borrowers.’

Hodge Lifetime Options

Hodge offers four types of lifetime mortgage plans:

  • Flexible Lifetime Mortgage
  • Lump Sum Lifetime Mortgage
  • Lifetime Mortgage
  • Indexed Lifetime Mortgage 

The Flexible Lifetime Mortgage Plan gives you the option of taking out an initial lump sum but then withdraw further lump sums in the future.

The minimum cash you can release is £1,000 per transaction, and the maximum loan available is £500,000, but it’s dependent on your age and property value. You can also repay up to 10% of the initial lump sum plus 10% of any further withdrawals on an annual basis. You also have the choice to pay back the loan as a result of selling your property after five years.

The Lump Sum Plan allows you to release a single lump sum payment and comes with an option to pay back 10% of the value of the original loan each year and the chance to repay after five years due to selling or relocating to another estate, without incurring early repayment charges.

The Lifetime Mortgage is accessible to those aged 55 instead of 60 and gives you a higher loan value, of up to £1,000,000. You can opt to release it in a single lump sum, and you can still choose to repay up to 10% of the first loan annually. You can repay the full credit on a repayment charge, at a fixed scale and it’s payable for up to ten years.

The Indexed Lifetime Mortgage Plan is also accessible to 55 up to 85-year-olds with a maximum loan limit of £1,000,000.

The only difference with this plan is that its interest is variable and you can only apply for it once a year to reflect annual movement in the All Items Consumer Prices Index yearly rate. The scheme comes with an ‘Interest Rate Guarantee’ that consists of a ceiling and floor rate, meaning you will never pay more or less interest than the two thresholds that will be set out in the original mortgage contract.

Other Features and Qualifications Considerations

  • Minimum Amount of Equity Offered: £20,000 or £15,000
  • Maximum Amount of Equity Offered: No Limit specification
  • Minimum Age Limit: 55 or 60 years
  • Maximum Age Limit: 85 years
  • Property Minimum Value: £100,000
  • Property Condition:  Freehold, bungalow, flat, or maisonette. If you have a lease, it should be of a minimum of between 90 to 99 years left on the contract
  • Location: Scotland, Wales, and England
  • Interest Rates Offered: Dependent on how risky the loan is
  • Customer Review Ratings: A+BBB
  • Special Features:
    • No Negative Equity Guarantee 
    • Interest Rate Guarantee

If you need more information on Hodge Lifetime, use our calculator and see how much you can release.

#9. Stone Haven

Stone Haven Equity Release Provider has been a leader, since 2006, with innovative equity release schemes. It provides its consumers with equity release plans they can trust and depend on to make their retirement comfortable and offers several lifetime mortgage plans.

The FCA also regulates the company’s services, and it’s a certified member of the Equity Release Council.

Stone Haven Options

Stone Haven offers three types of lifetime mortgage plans:

  • Lump-Sum Lite Lifetime Mortgage
  • Voluntary Select Lite Plan
  • Interest Select Lite Plan

The Lump-Sum Lite Lifetime Mortgage is one of the best schemes of Stone Haven.

It provides you with the lowest interest rate at market leading 6.13%. You don’t have to make any month to month repayments in the life of the plan. It’s especially perfect for those looking to leave some inheritance to their children, or if you cannot afford to contribute towards the interest charged by Stone Haven. For homeowners aged 55 and above, and it allows you to release a minimum of 11% of your estate value.

The Voluntary Select Lite Plan enables you to make10% voluntary repayments each year with no penalty. You can start making payments anytime from inception, and you will also have the chance to choose whether to make ad-hoc payments which could be to cover the interest partly or to pay off all the interest-only. The minimum you can withdraw with this plan is £20,000, and there is no maximum limit currently.

The Interest Select Lite Plan is Stone Haven’s lifetime mortgage jewel and most popular option.

It provides you with the flexibility you need and offers financial control. There are no income checks, and it’s often seen as a self-certification mortgage, perfect for those who may have had an adverse credit in the past. The amount you can release is dependent on the age of the youngest applicant and your estate value. It also has the lowest interest rate of 5.94%, and it allows you to maintain a level mortgage balance throughout and therefore, secure the final inheritance when the providers eventually sell your property. 

Other Features and Qualifications Considerations

  • Minimum Amount of Equity Offered: £10,000
  • Maximum Amount of Equity Offered: No Limit specification
  • Minimum Age Limit: 55 years
  • Maximum Age Limit: 85 years
  • Property Minimum Value: £70,000
  • Interest Rates Offered: Monthly and dependent on how risky the loan is
  • Customer Review Ratings: A+
  • Special Features: No Negative Equity Guarantee 

 If you need more information on Stonehaven, use our calculator and see how much you can release.

Common Questions

Which Is The Best Equity Release Company?
Is There A Better Alternative To Equity Release?
What Is The Best Rate For Equity Release?
What Is The Cheapest Home Equity Loan Rate?

In Summary

Choosing the right equity release is one of the most important financial decisions you will ever make in your life. So, it would be best if you took your time when choosing a plan provider that will cater to all your needs. You should do your due diligence and consult several providers before making an informed decision on the company that will make your retirement the best times of your life.

Therefore, if you need to know more about equity release, check out the plan that best suits your situation or check out several reviews on equity release schemes, be sure to click here and see how much you can release and chat with an expert for free.

A

Age Partnership – a member of the Equity Release Council, Age Partnership is a guarantee of quality.

Ashfords – specializes on advising clients on the legal implications of lifetime mortgages and reversion plans.

Aviva – the largest general insurer in the UK and a leading life and pensions provider.

B

Barclays – a British multinational investment bank and financial services company, Barclays is known all over the world as one of the best in the business.

BBC – their main expertize are lifetime mortgages and reversion plans, including lifetime interest only mortgages.

Bridgewater – an American investment management firm founded by Ray Dalio in 1975. They serve institutional clients including pension funds, endowments, foundations, foreign. governments, and central banks.

C

Canada Life – is a Canadian company founded in 1847 that offers life, health, and disability insurance for groups and individuals.

Club – a private capital initiative, structured as a Club Deal offering its shareholders the opportunity to invest directly in mid-cap companies.

Crown – one of their many businesses is the acquisition, development and sale of real estate properties,but they’re also equity release experts.

D

Daily Mail – among their many other specialties, the Daily Mall is dedicated in spreading awareness about equity release.

E

Equity Release Club – a private capital initiative, they offer more flexibility in terms of investment policy, governance and exit strategy compared to a traditional PE fund.

Equity Release Supermarket – founded by Mark Gregory in 2008, in just a few years has grown to become one of the leading equity release advisory services.

Equity Release Wise – they focus on the management of Private Equity closed-end funds investing in small and medium sized companies.

G

Go Compare – one of the more versatile insurance companies out there, they deal on anything ranging from equity release to pet insurance.

Guardian – a British daily newspaper that often writes about equity release.

H

Halifax – an established private equity firm that invests alongside owners and managers of industry-leading growing and profitable companies.

Hodge – the longest established equity release provider in the UK, they launched the very first equity release plan in 1965.

HSBC – a bank and financial services holding company known all over the world, HSBC is synonym of trust.

J

Just – their product range includes savings, investments, credit, mortgages, pensions, plans for later life care funding.

K

Key – founded in 1998, they started to focus on all equity release advice services in 2001.

L

L&G – commonly known as Legal & General, they’ree a multinational financial services company headquartered in London.

Liverpool Victoria – one of the United Kingdom’s largest insurance companies with over five million customers.

Lloyds – traditionally considered one of the “Big Four” clearing banks, they have branches all across England and Wales.

Lloyds Bank – the private equity arm of Lloyds Banking Group invests in a diverse range of mid-market businesses across every region and sector of the UK economy.

M

Marsden – a member of the Building Societies Association, a trade organisation of building societies in the United Kingdom.

Martin Lewis – is an English journalist and television presenter. He founded the website MoneySavingExpert.com. He specializes on Equity release advice.

Money Saving Expert – was founded by Martin Steven Lewis, the website specializes on Equity release advice.

Moneysupermarket – is a British price comparison website-based business specialising in financial services.

More 2 Life – since their foundation, they’ve been focused solely on equity release, supporting advisers and putting client’s needs first.

Mortgage Express – has access to a vast range of home loan products that help make the choices that are important to your individual needs.

N

Nationwide – the seventh largest cooperative financial institution and the largest building society in the world with over 15 million members.

Natwest – established in 1968 by the merger of National Provincial Bank and Westminster Bank. Since 2000, it has been part of The Royal Bank of Scotland Group.

New Life – has won several awards and continues to provide successful equity release products to retirees.

Northern Rock – originally a building society, it demutualised and became Northern Rock bank in 1997.

Norwich Union – established in 1797, it was listed on the London Stock Exchange and was once a constituent of the FTSE 100 Index.

O

One Family – a mutual society and as such has no shareholders, and is instead owned by its 2.6 million members.

P

Papilio – a lifetime mortgage servicing company and specialist purpose vehicle who work on behalf of JP Morgan.

Prudential – member of the American Fortune Global 500 and Fortune 500 company whose subsidiaries provide insurance, investment management, and other financial products.

Pure – independent and locally owned, this brokerage company takes pride on being a dedicated and educated group of real estate professionals.

R

RBS – one of the subsidiaries of The Royal Bank of Scotland Group plc, together with NatWest and Ulster Bank.

Responsible Lending – they offer lifetime mortgages that helps you plan retirements using property as an income source that you hadn’t previously thought of.

Retirement Advantage – their product range is available to consumers aged between 60 to 90-years-old and offers a tax-free, one-off lump sum and instead of making interest repayments.

Right – established in 2010 and is now one of the leading independent equity release specialists.

S

Saga – their Equity Release Advice Service is provided by HUB Financial Solutions Limited. You must be aged 55 or over with a UK home worth at least £70,000.

Santander – they offer a five-year deal with Legal and General Home Finance to offer the business’s lifetime mortgages to its own existing customers struggling to pay off their interest-only mortgage.

Ship – stands for Safe Home Income Plans and is good news for consumers looking into Equity Release. It is a code of conduct launched in 1991 the main aim of which is to protect consumers when taking out an equity Release deal.

Solar – gives you the opportunity to release the power of those payments in one go by selling access to your Feed in Tariff and getting a lump sum amount in return.

Step Change – formerly the Consumer Credit Counselling Service, they are a debt charity operating across the United Kingdom.

Stonehaven – a dedicated website offering free equity release information specifically highlighting Retirement Advantage products.

Sun Life – one of the largest life insurance companies in the world, and also one of the oldest, with a history spanning back to 1865

T

Telegraph – they write and inform people about the benefits of equity release.

W

Which – they specialise in spreading awareness on the legal implications of lifetime mortgages and reversion plans.

Y

Yorkshire Bank – a trustworthy bank that was founded in 1859 as the West Riding Penny Savings Bank and adopted its present name in 1959.

How much money could you release?

An equity release allows you to access the value of your home, tax-free without having to sell up, so that you can have money to spend on whatever you want or need.

Use The FREE Calculator Below

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John lawson rndlg

John Lawson

John advises business, individuals, and organisations on pension planning. As you’ve probably realised by now, we’re invested in helping people like yourself understand a little bit more about how equity release options work.
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