See how much tax-free cash you could release
We're independent later-life lending specialists. We compare plans from across the whole market to find the one that suits you, and we'll tell you plainly if equity release isn't the right answer.
- No fees for an initial consultation
- You keep 100% ownership of your home
- Meet an adviser at home or by phone
Compare plans from leading UK lenders
How Does the Process Work?
Three simple steps to make an enquiry.
Share a Few Details
Complete our short form with basic information about your property and circumstances. Takes less than 2 minutes.
Speak With Our Team
We'll call to confirm your details and check if you qualify for equity release. If suitable, we'll arrange a free consultation.
Meet With an Adviser
A qualified adviser will explain your options, answer your questions, and help you decide if equity release is right for you.
The basics
What is equity release?
Equity release lets homeowners aged 55 and over access some of the value tied up in their home, without having to move.
The most common type is a lifetime mortgage. You borrow against your home, and you keep full ownership of it. There is normally no requirement to make monthly repayments. The loan, together with any interest, is usually repaid when the last borrower dies or moves into long-term care.
The alternative is a home reversion plan, where you sell a share of your home to a provider in exchange for a lump sum or regular income, and stay in the property rent-free for life.
Before you decide
Important things to consider
Equity release is a long-term commitment, and it isn't right for everyone.
We set out the drawbacks as clearly as the benefits, so you can weigh up both sides before deciding.
It reduces what you leave behind
The amount you release, plus any interest, is repaid from the sale of your home. Family members are welcome in every conversation.
It can affect means-tested benefits
Releasing cash may change your entitlement to Pension Credit, Council Tax Support or other benefits. Your adviser will check this first.
Interest compounds if you don't pay it
If you make no repayments, interest is added to the loan and then charged on the larger balance. Voluntary payments can limit it.
An existing mortgage must be repaid
Any outstanding mortgage secured on the property has to be cleared from the money you release, or from other funds.
There may be an early-repayment charge
Repaying a lifetime mortgage early can carry a charge. Some plans are more flexible than others, and we'll compare them for you.
There are often simpler alternatives
Downsizing, a retirement interest-only mortgage, unclaimed benefits or help from family may serve you better.
Am I Eligible for Equity Release?
Check the basic criteria below.
Minimum age
Age
The minimum age for equity release is 55. This applies to the youngest homeowner on the property.
Typical minimum value
Property Value
Your property must be valued at a minimum of £70,000 for standard plans.
Typical minimum release
Minimum Release
The minimum amount you can release is typically £10,000.
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What our customers say
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Questions
Frequently asked questions
How much equity could I release?
It depends primarily on your age and the value of your property, typically between 20% and 50%. A calculator gives an indication; only a personalised illustration from an adviser gives you a real figure.
Do I still own my home?
With a lifetime mortgage, yes. You remain the legal owner and keep the right to live there for life, or until you move into long-term care.
Is equity release safe?
Equity release is regulated by the Financial Conduct Authority, and advice is mandatory. Council members carry a no-negative-equity guarantee.
What if equity release isn't right for me?
Then we'll tell you. Our advisers must consider alternatives, and a recommendation not to proceed costs you nothing.
Will it affect my benefits or my tax?
The money you release is tax-free. Holding it as savings can affect means-tested benefits, so your adviser will assess your position first.
Why Choose Retirement Solutions?
Whole-of-Market Advice
We're not tied to any single lender. Our advisers search the entire market.
ERC Council Members
We only recommend products that meet strict ERC standards.
Face-to-Face
Meet with a qualified adviser in your own home or via video call.
Transparent Fees
Free consultation until completion. Our fee of £1,899 is only payable when your case completes.
Ready to find out how much you could release?
Start with the calculator, or speak to someone now. Either way, there's no obligation.
- No obligation
- Initial consultation at no cost
