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See how much cash you can release from your home.

Equity Release

What are the Benefits?

  • Unlock cash from your home.
  • Releasing equity can have a MASSIVE tax saving.
  • You’ll never owe more than your home’s value.
  • Fast, easy & secure. It takes 8 seconds.
  • Completely, independent advice.
  • FREE, no obligation consultation.

About the Providers We Compare

  • Helped more than 1 million with lifetime mortgages.
  • Organised over 1 in 3 plans approved by the Equity Release Council.

Value Of Your Home?

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Did You Know? Every 12 minutes a homeowner over 55 in the UK unlocks £91,667 tax-free cash.

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John Lawson
John Lawson

Last updated 18 May 2020

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Our Most Commonly Asked Questions

A lifetime mortage could be a great way to help you spend your later life to the full.

By borrowing a tax free lump sum you could be able to fund home improvements, help younger family members get on the property ladder, or simply keep your lifestyle in retirement.

How much you can borrow depends on a number of factors, including your age, the type of property you own, and its value.

Use our free calculator to find out how much equity you could release.

When comparing the lifetime mortgage market, a specialist adviser will explain:

  • You have to get advice before unleashing equity.
  • Check for plans that have a no negative equity guarantee, so you’ll never be indebted for more than your home’s value.
  • It reduces the value of your estate.
  • The initial consultation is free with no obligation.
  • The most known form of equity release is a lifetime mortgage, which is a loan secured against your home. Note that you will still own your home.

A lifetime mortgage is a way of releasing the wealth (cash) tied up in your property without the need to move.

With lifetime mortgage products, if you are over the age of 55, you can either borrow against the value of your home or sell all or part of it for a routine monthly income, a lump sum, or the facility to get at equity as and when you like or a combination of these options.

Use our free lifetime mortgage loan calculator to see how much you can release now.

Although there are many different plans available, they can all be split into four categories of lifetime mortgage schemes.

Lifetime Mortgage Loan

You release a lump sum from the value of your property, by taking out a mortgage secured on your property (provided it is your primary residence) whilst retaining 100% ownership of your home. This amount, plus any interest accrued, (you can choose to make repayments) is repaid from the sale of your property when you pass away or move into long-term care.

Drawdown Lifetime Mortgage

This works similar to Lifetime Mortgage but with a regular cash reserve/draw down option allowing you to withdraw amounts at a frequency you choose up to a specified amount of years, or until the cash fund has been used up.

Interest-Only Lifetime Mortgage

You get a lump sum and pay a monthly interest on the loan, which can be fixed or variable, rather than allowing the interest to roll up. The amount you originally loaned is normally repaid when your home is eventually sold.

Home Reversion Plan

Here, you sell some or all of your property to a home reversion provider in exchange for a lump sum of money or regular payments, whilst retaining the right to remain residing in your home, rent free, for as long as you live, but you have to agree to keep and insure it. At the end of the plan your property is sold and the sale proceeds are shared according to the remaining proportions of ownership.

Not Looking For a Lifetime Mortgage?

Use our free equity release calculator to see how much you can release now.

You are free to use the money on almost anything you like. There are many reasons for unleashing equity from your home and here are just a few of them.

Common Lifetime Mortgage Uses:

  • To supplement your pension income to cover living expenses
  • To settle a repayment mortgage or clear the balance on an interest only mortgage
  • To improve your standard of lifestyle
  • To see your family enjoy their inheritance while you’re still here
  • To carry out some renovations
  • To take that holiday of a lifetime
  • To help your children onto the property scale
  • To pay off other outstanding debt and reduce your monthly outgoings.

Use our free calculator to see how much you can release now.

Lifetime mortgage plans are not right for everyone and it is important that you fully consider your options and receive independent financial advice before making a decision. It is also important that, if you do decide to use a lifetime mortgage product, you select one that meets your needs.

Remember that taking a lifetime mortgage plan is generally a long term option. There are flexible plans available that may fit your varying needs and some will allow you to repay in the future without any penalties. A financial adviser can help you to select the plan that is right for you.

Use our free calculator to see how much you can release now.

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