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Equity release is a form of retirement lending that can grant you access to the capital you’ve built up in your property over the years.
These products can be divided into two broad categories:
The advisors we work with are experts in both.
Taking out equity release can provide you with essential funds for all kinds of purposes and help you live more comfortably in retirement. The wide range of articles we have on this subject can help you decide whether it’s the right option for you, and our broker-matching service can ensure you’ll end up with the right advice on retirement mortgages.
Equity release is a form of retirement lending that lets homeowners over 55 access the equity in their property in the form of a loan.
It comes in two variations…
You can read more about equity release and how it works in our detailed guide detailed guide.
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The key factors when it comes to eligibility are being over 55 (or 65 for home reversion) and owning your home outright. Some lenders also have minimum property values and won’t approve an application unless your home is worth at least £75,000 on the market.
The amount that you can borrow is usually capped based on a percentage of your home’s value, with between 20% and 50% being standard. Some providers go higher than this and others lower – they will base the actual amount you qualify for on the following…
Here’s how you can do it in three easy steps…
Looking for specialist advice? Read through our articles about different types of equity release and how best to prepare yourself to find the right equity release product for you.
Equity Release Mortgages
Equity Release Explained
Is equity release safe?
What happens to equity release on death
Paying off equity release early
Equity Release Companies
Alternatives to equity release
Types of equity release schemes
Equity Release Pros and Cons
Equity Release Property Types
Equity Release Retirement
How much can you release with equity release?
Equity Release Age Limits
Equity Release Calculator
Equity Release Rates
Equity Release With/Without Mortgage
Interest Only Equity Release
Equity Release Mortgages in Scotland
A Guide to Mortgage Equity Withdrawal
*Based on our research, the content contained in this article is accurate as of the most recent time of writing. Lender criteria and policies change regularly so speak to one of the advisors we work with to confirm the most accurate up to date information. The information on the site is not tailored advice to each individual reader, and as such does not constitute financial advice. All advisors working with us are fully qualified to provide mortgage advice and work only for firms who are authorised and regulated by the Financial Conduct Authority. They will offer any advice specific to you and your needs.
Some types of buy to let mortgages are not regulated by the FCA. Think carefully before securing other debts against your home. As a mortgage is secured against your home, it may be repossessed if you do not keep up with repayments on your mortgage. Equity released from your home will also be secured against it.
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