Independent advice on equity release

Are you looking for honest and reliable equity release advice? If so, get in touch with The Equity Release Experts today for a no-obligation consultation.

Whether you’re looking to help a family member with university fees, go on a once-in-a-lifetime holiday or renovate your home, equity release could be the solution you have been searching for.

Equity release works by unlocking some of the money tied up in the value of your home. These funds are tax-free and can be used in a variety of ways.

Allow us to help you with some advice on equity release. The two types for you to consider are a lifetime mortgage or home reversion.

Lifetime mortgages

If you are a homeowner aged 55 or over with a minimum property value of £70,000, you could be eligible for a lifetime mortgage. This is a loan secured against your home. It will allow you to gain access to some of the funds that are tied up in the value of your property, yet you will still retain full ownership of your home.

With a lifetime mortgage there are typically no monthly repayments to make as the loan, plus roll up interest, is repaid when the plan comes to an end. Our independent equity release advisers will be able to let you know whether this is the most suitable option for you.

Home reversion

If you’re 65 or over, you could opt to sell part or all of your property to a reversion company in return for a tax-free lump sum. You should be aware that the amount you will receive will depend on your age, property value and the proportion you sell. It’s also worth noting that you will receive less than the market value of your home.

With a home reversion, there is no interest to pay, nor any monthly repayments to make and you will be able to access your money in one lump sum. After your home has been sold at the end of the plan, the provider will then take their share of the proceeds, and the remainder will be left to your estate – if you did not sell the entirety of your property. 

Receive independent equity release advice with The Equity Release Experts

Remember, it is a regulatory requirement that you get equity release advice before you take out any equity release product. If you are searching for independent equity release advisers with a wealth of knowledge, you have come to the right place.

As we're completely independent, we have no ties to any provider. That means that we can make recommendations for you based solely on your needs.

Here at The Equity Release Experts, we pride ourselves on giving you all the information you need in a completely transparent way. Our expert team can be reached via our contact form or on 0800 188 4812. Lines are open Monday-Friday, 9am-5.30pm.

Allow us to provide you with expert equity release advice during a no-obligation consultation. We offer a free equity release guide that you can download now, too.


Things to consider with equity release

  • Equity release may involve a lifetime mortgage, which is a loan secured against your home.
  • Equity release will reduce your estate’s value and may affect your entitlement to means-tested benefits
  • A lifetime mortgage may result in limited or no property equity remaining and will reduce your financial options in the future

  • The loan, plus compound interest, is typically repaid through the sale of the property when the last remaining applicant passes away or moves into long-term care

  • Unless you decide to go ahead with a plan, our service is completely free of charge, as our fixed equity release advice fee of £1,799 is only payable on completion of a plan