Articles about Retirement

Understanding the Budget: What It Means for You and Your Home Autumn Budget 2025: What It Means for Over-55 Homeowners — And How Equity Release Could be an option The Autumn Budget 2025 delivered by […]

Residential care costs have risen to over £67,000 a year on average. Many homeowners are asking if Equity Release can help them avoid care homes by funding support in their own property instead.

A lifetime mortgage allows homeowners aged 55 and over to release tax-free cash from their home without having to sell or move. This article explains how lifetime mortgages work, who they might suit, and the key pros and cons to consider before deciding if it’s the right option for you.

Equity release lets homeowners aged 55 and over unlock tax-free cash from the value of their property without having to sell or move. In this guide, we explain how equity release works, the main types of plans, and the key advantages and risks to be aware of before deciding if it’s right for you.

Mortgage searches often surge around Bank of England rate announcements — and with the Budget fast approaching, similar patterns may emerge among homeowners considering their finances. This article explores why major announcements can trigger renewed interest in Lifetime Mortgages and how those aged 55+ can prepare to review their equity release options with confidence.

Figures from the Equity Release Council show a rise in Drawdown Lifetime Mortgages — but what’s driving the trend? With the cost of living still high, many over-55 homeowners are using drawdown plans to access funds gradually, manage spending, or fund home improvements. Discover how this flexible form of equity release could help you stay in control of your finances in later life.

Nationwide’s latest House Price Index shows UK property values edging higher in October, signalling a resilient market. For homeowners aged 55 and over, this stability provides a timely opportunity to review how much equity your home could unlock. Learn how lifetime mortgages and further advances can support your lifestyle and financial goals in later life.

New data shows a sharp rise in older homeowners using equity release to help family and friends—especially through gifting. Between H1 2024 and H1 2025, the share of lifetime mortgage applications citing gifting rose from 13% to 22%. Day-to-day living costs and emergency funds also climbed, while home improvements overtook mortgage repayment as the top reason overall. We explain what’s driving the trend, what to consider, and how we can help you weigh up your options.

Fidelity’s latest personal-finance insights spotlight longer retirements, blending annuities with drawdown, IHT watchpoints, and the role of cash. We explain where equity release may (or may not) fit—covering benefits, risks (compounding interest, ERCs, benefits impact) and alternatives. Information only; investments can fall and equity release reduces your estate.

New data shows a sharp rise in older homeowners using equity release to help family and friends—especially through gifting. Between H1 2024 and H1 2025, the share of lifetime mortgage applications citing gifting rose from 13% to 22%. Day-to-day living costs and emergency funds also climbed, while home improvements overtook mortgage repayment as the top reason overall. We explain what’s driving the trend, what to consider, and how we can help you weigh up your options.

Guardian-reported housing data is mixed. We unpack what that means for over-55s: how valuations and rates affect lifetime mortgages, the pros and cons (compounding interest, benefit impacts and ERCs), and alternatives such as downsizing or RIO. Equity release reduces your estate.

With annual house price growth softening, many retirees are asking what this means for their financial future. At Retirement Solutions, we explore how today’s property market could influence equity release options and why acting sooner may help secure more from your home’s value.