Retirement Bridge Equity Release Review (2025): What’s New?
Contributors:
Expert VerifiedSovereignBoss adheres to a stringent code of editorial guidelines, but some articles may feature partner references. Here is an explanation for how we make money.
- The key features of Retirement Bridge equity release include its lifetime mortgages, competitive interest rates, no negative equity guarantee, and the possibility of making partial or full repayments at any time.
- Due to their FCA regulated status, adherence to Equity Release Council standards, and various positive customer reviews, it's considered a reliable option for equity release.
- They work by allowing you to unlock the equity tied up in your property through a lifetime mortgage, without the need to make regular repayments unless you choose to do so.
- The pros include its flexibility, no negative equity guarantee and competitive interest rates, while the cons include potential impacts on means-tested benefits and inheritance, and the fact you may not be able to borrow as much as with other types of loans.
- While there can be mixed opinions on any service, they generally receives positive reviews for its customer service, flexibility and competitive rates, although it's always recommended to undertake your own research.
Is Retirement Bridge's equity release the best option for you?
There are so many great lenders to choose from, but why waste your precious time combing through countless sites?
Instead, we have done the research for you.
In This Article, You Will Discover:
Our team at SovereignBoss has reviewed leading banks and financial providers to determine which offer equity release.
Therefore...
NOTE: SovereignBoss is an impartial and unconnected third-party information provider via this website, and the details replicated in this commentary represent the opinions of SovereignBoss only and may not reflect the views or opinions of Retirement Bridge. This article must not be interpreted as advice, nor is it a solicitation to conduct transactions in any financial product provided by Retirement Bridge.
Who Is Retirement Bridge?
The Retirement Bridge Group comprises a number of firms that administrate Home Reversion plans.1
The Group’s major firms are Retirement Bridge Management Limited and Bridgewater Equity Release Limited.
Why You Can Consider Retirement Bridge
You can consider Retirement Bridge because it is the largest administrator of home reversion plans in the UK.2
Retirement Bridge Group comprises various companies that collectively manage around 4,500 plans.3
Amongst others, the largest of these are Retirement Bridge Management Limited and Bridgewater Equity Release Limited.
Retirement Bridge Management Limited offers homeowners the unique chance of releasing further equity.4
The company is authorised and regulated in the UK by the Financial Conduct Authority (FCA).5
Does Retirement Bridge Have an Equity Release or Lifetime Mortgages Calculator?
No, Retirement Bridge does not have an equity release calculator.
If, however, you are looking for an equity release calculator, use the one below and discover approximately how much you could potentially release from your home.
What Are the Advantages and Disadvantages of Using Retirement Bridge?
An advantage of using Retirement Bridge is that it is the UK’s biggest owner and manager of Home Reversion plans.6
A disadvantage of Retirement Bridge is the fact that it does not offer new home reversion plans.
More information:
Retirement Bridge Pros
The pros of Retirement Bridge include:
- It is an Equity Release Council7 member.
- You can live in your house rent-free until you die or enter long-term care.
Retirement Bridge Cons
The cons of Retirement Bridge include:
- It does not offer home reversion plans to new customers.
- With any home reversion scheme, you will no longer own your home.
Retirement Bridge Customer Reviews
When considering equity release companies in the UK, it is a good idea to have a look at what other customers think.
Some customer reviews to consider:
How Did We Review the Information on Retirement Bridge?
We reviewed Retirement Bridge based on the following:
- Reputation and History – How many years they have been in business, customer reviews, and industry rewards received.
- Financial Strength – Ensuring it is going strong and has adequate funds to meet long-term commitments.
- Product Range – We favour companies offering a variety of equity release schemes with greater product flexibility.
- Interest Rates and Fees – We review competitive rates compared to industry averages and they must be fully transparent about rates and fees without hidden costs.
- Customer Service and Support – When and how it is available, response times, and available online educational resources. As well as online tools, like a calculator.
- Code of Conduct and Compliance – We only consider companies that adhere to recognised industry standards and codes.
- Industry Insights and Peer Reviews – We care about a company’s industry-wide reputation.
- Innovation and Technology – Is there a streamlined, digital application process?
- Client Testimonials – Success stories and the complaints resolution process.
Our article on Retirement Bridge is independent as we are an unaffiliated, third-party reviewer.
Customer Complaints
If you wish to file a complaint with Retirement Bridge, please write to:
Retirement Bridge, The Honeycomb, The Watermark, Suite 4, First Floor, Gateshead, Tyne & Wear, NE11 9SZ.
It's personnel will listen to your problems and do everything possible to resolve the situation.
Alternatively, use a site like Trustpilot or Feefo to leave a review and a representative will respond to you.
Retirement Bridge's Equity Release Interest Rates and Schemes Compared
Retirement Bridge is a leading home reversion provider in the UK and as such does not charge interest.
Equity release interest rates currently range from 5.97% to 6.28%*.
If you want to see more about the most current equity release rates, you can see them here.
*While we regularly review our rates, these may have changed since our last update.
Have a look at all the equity release schemes available on the market.
What Are Retirement Bridge's Fees?
Retirement Bridge's fees include various costs existing customers may need to consider.8
Summary:
- Adding or Removing a Party Fee: £100.
- Failure to Insure the Property Fee: £50 plus insurance premium.
- Litigation Fees: £100 (plus associated costs).
- Miscellaneous Documents Request Fee: £20.
- Moving Home Fee: £250 (plus associated costs).
- Clearance Fee: £50 or 10% of clearance cost, whichever is higher.
- Repairs to the Property Fee: £50 or 10% of repair cost, whichever is higher.
- Sale of Property Costs and Fees: Variable.
- Solicitors Fees: Variable.
- Unpaid Direct Debit Fee: (where rent forms part of your home reversion plan) £15.
- Valuation Fee: Variable.
*These may have changed since our last update.
FCA Details
Regulators
- Financial Conduct Authority (FCA)
Registration Numbers
- FCA Ref Number: 463025
- Company Reg Number: LP011316
FCA and Companies House Link
- FCA Link: FCA Link
- Companies House Link: Companies House Link
Retirement Bridge Contact Number and Address
- +44 800 032 2118
- enquiries@retbridge.co.uk
- Suite 4, First Floor, Honeycomb, The Watermark, Gateshead, Tyne and Wear NE11 9SZ.
Common Questions
Is Retirement Bridge a Member of the Equity Release Council?
What Are Retirement Bridge's Interest Rates on Equity Release?
Who Owns Retirement Bridge?
What Are the Key Features of Retirement Bridge Equity Release?
Where Is Retirement Bridge Located?
How Does Retirement Bridge Equity Release Work?
Is Retirement Bridge Equity Release a Reliable Option?
What Are the Pros and Cons of Retirement Bridge Equity Release?
Are There Any Complaints or Reviews about Retirement Bridge Equity Release?
In Conclusion
Retirement Bridge is the largest administrator of home reversion plans in the UK, managing approximately 4,500 plans.
It is a member of the Equity Release Council and is authorised and overseen by the FCA which means it has some stringent codes of conduct to adhere to.
However, since Retirement Bridge no longer offers new plans, it is suggested that you speak with your financial advisor for guidance on which provider could assist you with your equity release needs.
The features mentioned and the amounts raised, are subject to the lender’s criteria, terms and conditions. These may take into account the age, health and lifestyle factors in order to provide an enhanced amount. To understand the features and risks, ask for a personalised illustration.