Equity Release
Equity release lets you unlock money from your home without having to sell it. We have advisors who specialise in later life lending.
They can advise on how much you can borrow, the best deals and help you get approved.
Equity Release Advice
Equity release is a way to free up money from the value of your home if you are aged 55 or over.
Equity release funds can be released through a lump sum, regular payments or a combination of the two, while allowing you to stay in your property. The money released can be used for anything, such as home improvements, helping family, or boosting retirement income.
There are two main types of equity release:
Lifetime Mortgage:
Lifetime mortgages lets you borrow against your home and repay the loan when the property is sold, usually when you pass away or move into long term care.
Home Reversion Plan:
Home reversion plans involves selling a share of your property to a provider in return for a lump sum or income, while continuing to live there rent free.
At Online Mortgage Advisor, our specialists are qualified in later life lending. They will explain the pros and cons of each option, how the costs work, and whether equity release is the right solution for you.
“Equity release can provide financial freedom in later life, but it is important to understand how it affects your home and inheritance. We explain the choices clearly and guide you through the process with care.”
Check your eligibility
Use our calculator to see how much equity you could release from your home.
Read our guides
Explore our equity release guides to learn about lifetime mortgages, home reversion plans, and alternatives.
Compare equity release products
Use our comparison tool to see which providers currently offer equity release.
Speak to an expert
Get matched with a qualified advisor who will explain your options and guide you to the most suitable providers.
Our advisors are qualified in equity release and will explain the process with transparency and care. Make an enquiry today.
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Frequently Asked Questions
Still have questions about mortgages, rates, or the application process? Our comprehensive FAQ section covers everything from first-time buyer queries to complex remortgage scenarios.
Equity release can be a good option if you’re over 55 and want to unlock some of the value in your home to fund a more comfortable retirement.
It allows you to access cash without having to sell your property or move out. However, it’s important to carefully consider your personal circumstances, as equity release reduces the value of your estate and may affect your entitlement to certain benefits.
Consulting with a financial advisor before making a decision is recommended, as equity release involves long-term financial commitments and potential risks.
The most common type of equity release is a lifetime mortgage, which typically doesn’t require you to make monthly repayments. Instead, interest accumulates over time and is added to the loan amount.
The total loan, including the compounded interest, is usually repaid when you pass away or move into long-term care. Some products allow you to make voluntary interest payments to reduce the amount owed, but this is optional and depends on the specific plan.
A mortgage advisor will search the market for you and recommend the best deal based on your situation. They do more than compare rates. They understand lender criteria, manage the paperwork, and know how to get complex cases approved.
With expertise in specialist mortgages and strong lender relationships, they save you time, reduce the risk of rejection, and often access deals not available directly.
Online Mortgage Advisor is an FCA-authorised mortgage broker serving customers nationwide. We match you with specialists who excel in situations like yours.
Over 600,000 borrowers have trusted us to help them find the right deal, and we are rated Excellent on Trustpilot.
Your first chat with an advisor is always free and comes with no obligation. If you choose to go ahead, fees vary depending on the complexity of your case, but you will always know the cost upfront. You will never be charged without agreeing to it first.
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You’ll have a dedicated team by your side from questions to completion, with clear choices and costs explained upfront. We’ll match you with a mortgage advisor specialising in your unique situation.