Equity release lets homeowners aged 55 and over access the value tied up in their property — as a lump sum, drawdown facility, or regular income — without having to sell or move.
The most common form of equity release. A loan secured against your property that does not need to be repaid until you die or move into long-term care. Interest rolls up over time unless you choose to make voluntary payments.
You pay the interest each month, so the loan balance never grows. The loan itself is only repaid when the property is sold — on death or entry into long-term care. Subject to affordability assessment.
Equity release is not right for everyone. We will always explore alternatives first.
We will always consider every alternative before recommending equity release. If equity release is not the right answer for your circumstances, we will tell you so.
Talk to us →False. With a lifetime mortgage you remain the legal homeowner. The lender simply places a charge on your property — exactly like any other mortgage.
Not necessarily. Many plans allow you to ring-fence a percentage of your property’s value for your beneficiaries. Use our inheritance calculator to explore the numbers.
It is strictly regulated. Equity release advice must be provided by FCA-regulated specialists who follow clear consumer protection rules. Equisure is FCA authorised and regulated (FRN 730866).
Most modern plans are portable. Subject to lender approval and the new property meeting lending criteria, you can move to a suitable property in the future.
Equisure is a trading style of Release My Equity Limited, authorised and regulated by the Financial Conduct Authority (FRN 730866). Registered in England and Wales. Company No. 08525726. Registered address: 231 Elliott Street, Tyldesley, Manchester, M29 8DG.
Equity release will reduce the value of your estate and may affect your entitlement to means-tested benefits. A lifetime mortgage is a loan secured against your home. To understand the features and risks, ask for a personalised illustration. All calculator outputs on this website are illustrative only and do not constitute financial advice or a personalised recommendation.