Unlock Tax-Free Cash from Your Home – Safely and Simply

FCA-Regulated Advice for Homeowners Aged 55+ Across the UK

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How much equity could you release?

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It explains:

• What is equity release?

• What could equity release do for you and your family?

• Is equity release the right decision for you?

• Things you should consider

• What are the alternatives to equity release?

• Frequently asked questions

What Is Equity Release & How Does It Work?

Equity release lets homeowners aged 55 or over access money tied up in their home – without having to move or make monthly repayments. The most common type is a lifetime mortgage, where the loan and interest are repaid from the property’s value when it’s sold (usually after you pass away or move into long-term care).

Key Benefits:

• Access tax-free cash, typically as a lump sum

• Maintain ownership of your home

• Spend the money how you choose – home improvements, helping family, or boosting retirement income

Are you eligible?

To be eligible for Equity Release you need to meet the following criteria

Top Five Reasons for Releasing Equity

Home and/or garden improvements

Pay off existing debts

Go on holiday and see the world

Clear an outstanding mortgage

Treat or help friends and family

Frequently asked questions

What is equity release?

Equity release is a way for homeowners aged 55 or over to unlock some of the money tied up in their home without having to sell or move out. The most common types are lifetime mortgages

Do I still own my home with equity release?

Yes, with a lifetime mortgage, you retain full ownership of your home.

How much money can I release?

The amount depends on:

• Your age (minimum 55)

• The value of your property

• Your health and lifestyle (some providers offer enhanced plans)

Typically, older individuals can release a higher percentage of their home’s value.

Will I have to make monthly repayments?

Not usually. With most lifetime mortgages, interest rolls up and is repaid when the home is sold—usually when you pass away or move into long-term care. However, some plans allow voluntary payments to reduce the interest.

Will equity release affect my benefits or tax position?

Yes, receiving a lump sum or regular income through equity release may affect your means-tested benefits (like Pension Credit or Council Tax Support). We can check this for you.

What happens to my home when I die or go into care?

When you die or move into permanent care, your home is typically sold, and the loan (plus interest) is repaid from the proceeds. Any remaining value goes to your estate or beneficiaries.

Get Expert Equity Release Advice – Start Your Free Consultation

Unlock tax-free cash from your home with confidence. Fill in the form below and one of our FCA-regulated advisers will be in touch to guide you through your options – no pressure, no obligation.

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Our experts are ready to help you understand how much you could release — and whether it’s right for you.

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