Equity Release Council

How the equity release council can help you

The equity release council can help guide you in ensuring your provider is delivering fair services that abide by industry rules and standards.

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Who are the Equity Release Council?

The Equity Release Council is a self-regulated non-profit organisation that safeguards the interests of homeowners and specialises in all things equity release-related. It was initially recognised as Safe Home Income Plans, or SHIP until it was re-launched in 2012 and broadened its reach from equity release providers to financial advisers. Its roles include:

  • Offering you all the information you might demand on equity release and its products.
  • Protecting the consumer using or considering taking out an equity release.
  • Raising awareness on how equity release might be an ideal option after retirement.
  • Representing over 180 member firms and over 500 people in the equity release industry, from financial advisers and lenders to representatives and surveyors.

Its members also have to abide by a strict code of conduct:

  • Loanee have a right to remain in the habitation for life.
  • Loanee will be offered clear, concise paperwork which includes all setup bills and changes in residence values.
  • The consumer’s representative preference steers any legal work. Then he signs a certificate stating that the plan has been clarified and its clients comprehend the risks.
  • The client can move their plan to another property without penalties.
  • Equity Release Certificate defines the cost to the client’s asset and estate.
  • Equity Release carries a “NO NEGATIVE EQUITY GUARANTEE.”
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.

How Much Can You Release?

Most people are using Equity Release as a means of retaining the use of their house while also obtaining a lump sum or a steady stream of income. Get matched with an expert and check your eligibility for equity release options.

Use our free equity release calculator & see how much you can release today.

Equity Release Calculator

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