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Equity release is a financial product that allows you to release some of the cash tied up in the value of your home tax free. You can take the money you release as a single lump sum, or in smaller amounts, or a combination of both.
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Equity release is, in a nutshell, a way to unlock the value of your property and turn it into a cash lump sum. You can do this via a number of policies which let you access the equity (cash) tied up in your home, if you’re 55 or older. Typically, you can take the money you release in one lump sum, in several smaller amounts or as a combination of both.
Compare Equity Release Plans with the best rates, offers, and maximum release amounts available from all the UK’s leading equity release companies. Complete the simple 30 second form to get started today!
Please note that we have no direct affiliation with any one company. The equity release firms we work with provide quotes from many providers to get you the best deal.
EQUITY RELEASE
Equity release is a group of products that lets you access the equity (cash) locked up in your home, if you are aged 55 or over.
Equity release allows you to take the money you release as a single lump sum or in smaller amounts, depending on your needs. you can also choose a combination of both.
HOME REVERSION
Home Reversion refers to a plan where you sell all or part of your property to a home reversion company in return for a tax-free lump sum or a regular income, or a combination of both. You stay in your home as a tenant but pay no rent.
Home Reversion is one of the main equity release products, with Lifetime Mortgages being the other.
LIFETIME MORTGAGE
Lifetime Mortgages are the most common, and popular type of equity release mortgage. A Lifetime Mortgage provides you with tax-free cash to enjoy in retirement. You keep 100% ownership of your home throughout.
Again, you take all your money at once in a lump sum, or access smaller amounts, or a combination of both.
Check Your Equity In Minutes
Compare Equity Release Plans with the best rates, offers, and maximum release amounts available from all the UK’s leading equity release companies. Complete the simple form to get started today!
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Is Equity Release Right For Me?
Releasing equity from your home can open up all sorts of incredible opportunities that you thought were beyond your reach...
HOLIDAY OF A LIFETIME
Visit the places you've always dreamed of. Take your family to magical destinations. Disney, Australia, The Pyramids? Equity release can make it happen.
RECEIVE £1000'S TAX FREE
Any cash you release from your home is 100% tax-free! See how much you can release to live a better retirement. Compare the best UK deals with ease.
TREAT A FAMILY MEMBER
Help your family with their first home purchase. Or assist with your grandchildren's education. A savings account for a new addition to the family? Well now you can with Equity Release.
HOME IMPROVEMENTS
Need a new kitchen, or that dream conservatory? A new driveway for a new car? Releasing equity today can make those dreams come true tomorrow.
EQUITY RELEASE CALCULATOR
Our simple equity release calculator takes seconds to fill in, and will help you discover how much retirement wealth you have locked within you home today.
WHY CHOOSE US?
We work with some of the best equity release providers in the market, giving you access to the best options. Our expert advisors and jargon-free approach keeps you in control.
FREQUENTLY ASKED QUESTIONS
Equity release can often seem like a confusing concept, with so many options and types available. These are the most common questions that our advisors are asked. Releasing equity is simple, but a basic understanding can be helpful.
DO I QUALIFY FOR EQUITY RELEASE?
Your eligibility depends on the age of the youngest person on the property title deeds & also if your property meets the necessary criteria.
For lifetime mortgages the minimum age requirement is 55, for a home reversion plan a minimum age is 65 years old is required.
The minimum property value acceptable to be able to release equity from your home is currently £70,000.
HOW MUCH COULD I RELEASE?
How much you can release depends upon the age of the youngest homeowner, the value of your property and whether you have any pre-existing health conditions.
You should only initially release the money that you need. Remember, the more you borrow, the more interest you are charged and need to repay.
If you need additional money in the future, we have access to schemes such as the drawdown lifetime mortgage where you can take money in stages, rather than all at once.
DO I STILL OWN MY HOME?
A lifetime mortgage plan enables you to benefit from 100% of any increase in your property’s value AND to fully retain ownership of your property.
With home reversion schemes, the percentage of ownership will be dependent on how much of your property is sold to the home reversion company.
Even if you do not retain full ownership, you will have the right to remain in your home for the rest of your life.