Helping you get the right advice on releasing equity from your home
In plain English, at your own pace. We connect you with FCA-regulated advisers so you can make a confident, well-informed decision.
We'll explain everything in plain English
Four things we'll make clear, so nothing feels complicated or rushed.
What equity is
The value stored in your home, explained simply with a clear example.
What equity release is
How you can turn some of that value into cash paid to your bank.
Why you might
The common reasons people choose to release equity from their home.
How to achieve it
The different routes available and which may suit your circumstances.
Understand your equity in one minute
Equity is simply the difference between what your property is worth and the loan still outstanding on it. How much you could release depends on your circumstances. Your property's value and your age are two of the main factors. One of our qualified advisers will walk you through it all.
Talk to an adviserReal reasons, real life
People release equity for all sorts of reasons. A few of the most common:
An interest-only mortgage is ending and the lender wants their money back.
Overdue home improvements or alterations to make your home more comfortable.
Helping a family member with a financial gift, sooner rather than later.
That trip of a lifetime, or a newer vehicle to make journeys more pleasurable.
Paying for help at home so you can stay in the home you love.
Buying out someone as part of a separation, or moving home later in life.
It's about the people who matter
Whether it's more time together or a helping hand for family, releasing equity can help you make the most of it.
Four ways to release equity
Each has its own rules and trade-offs. Here's the plain-English version.
Downsizing
Sell your home and buy a smaller or lower-valued one. You keep the equity as a tax-free lump sum (minus any secured loans and buying/selling costs), with no interest to pay.
Standard mortgage
The kind you likely used to buy your home. If there's enough equity, you could remortgage for more than you owe to release funds, subject to the usual affordability checks.
Lifetime mortgage
Similar to a standard mortgage but with no fixed end date. It's repaid when you downsize, or when the last applicant passes away or moves into long-term care. Usually no affordability checks.
Home reversion plan
Selling your home to a third party while living in it rent-free. You'd likely receive well below market value, so for most people, this isn't the right choice.
Speak to a qualified adviser
No pressure and no obligation whatsoever. Just clear, friendly guidance.
Start your journey