How long does equity release take to complete?


Equity release is an important financial decision backed up by a strictly regulated advice and application process. This means it’s not possible to release equity in a few days – but it still can be quicker than you might first imagine. If you use our comparison service and choose to book a consultation with our partner, then the process will be as follows:

  • First, you will need to meet with an independent equity release adviser who will gather information about your requirements and circumstances.
  • Then, at your request, your adviser will make a recommendation. The time taken on this part of the process can vary depending on how complex or specific your requirements are.
  • If you’re happy with what they recommend then you’ll be able to make your application.

From application to completion, the process will then typically take 8-12 weeks, although this is not guaranteed.


Remember, there are a number of important steps in the equity release process – from the first consultation with a specialist equity release adviser to obtaining independent legal advice. Making sure that you use experienced professionals for these parts of the process may help to keep things moving. To understand exactly how it works, why not read about the whole equity release process here?


Equity release is a big decision, and we recommend that anybody considering it reads our ‘is it right for you?‘ page before going ahead.

Equity release will reduce the value of your estate and may affect your entitlement to means-tested benefits. The most popular type of equity release, a lifetime mortgage, is a loan secured against your home.

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