Equity Release

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We can help you make the most of your home’s value.

Request an appointment with one of our advisors to explore equity release options tailored to your circumstances, and provide all the information you need to make the right decision for your future.
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Overview
Homeowners can unlock equity tied up in their property for various financial needs. This type of loan can be helpful for purposes such as home renovations, debt consolidation, or investments in businesses.
Equity release lets you access some of your home’s value as tax-free cash, usually through a lifetime mortgage. You can take the money as a one-time lump sum or smaller payments over time.

Homeowners choose equity release for many reasons, such as retirement planning, paying off a mortgage, funding home improvements, or providing a financial gift to family or friends.

The amount of equity you can access usually depends on:
> Your home’s value
> The age of those named on the mortgage
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Key Benefits
Equity release lets you access some of your home’s value as tax-free cash, usually through taking out a lifetime mortgage. A lifetime mortgage is taken out against your property, and the loan (plus interest) is repaid when the property is sold - usually after the last person named on the mortgage moves into long term care or passes away. With a lifetime mortgage, you can borrow against your home’s current value while you continue living there - effectively “releasing” some of the equity you’ve built. This option is still available if you have a mortgage remaining.
Situations Equity Release Might Be Used
Equity release is a financial tool that allows homeowners to receive some of the value of their property as tax-free cash. If you choose to take out a lifetime mortgage, you can choose to receive a one-time lump sum or smaller, ongoing payments.
> Retirement Planning
Equity release can be a source of funds to supplement your retirement income, helping you plan for a more comfortable future without needing to sell or leave your current home.

> Paying Off an Existing Mortgage
Equity release can be used to clear outstanding mortgage debt.

> Home Improvements
If part of your home requires fixing or you’re looking to increase the value with home upgrades, then equity release can cover these costs.

> Gifting to Family or Friends
If you’re looking to gift financially to loved ones, equity release can provide the cash to do this.

> Travel or Personal Goals
The cash unlocked through equity release can also be used for travel, hobbies, or other experiences.

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Commonly Asked Questions
What is equity release?
Why do people choose equity release?
How can I take the cash from equity release?
You can take the cash as a lump sum or in smaller payments over time. You can choose what works best for you.
How much equity can I release from my home?
Can I still get equity release if I have an existing mortgage?
What can I use the cash from equity release for?
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