Members of the Equity Release Council
55Plus is a member of the Equity Release Council, the industry body that works to ensure best practice across the sector. We abide by a code of conduct that guarantees our ethics and standards when advising equity release through Home Reversion plans, Lifetime Mortgages and Retirement Interest Only (ROI) mortgages.
The majority of the mortgages we arrange are provided by Equity Release Council providers, who have to follow several guidelines, including:
- Provided you keep to the agreement terms, you will never be turned out of your home.
- Provided you keep to the agreement terms, your beneficiaries will not end up in a situation of negative equity.
Fully independent and always looking further
55Plus is independent, which gives our specialist later life lending advisers access to the entire over 55 equity release provider market.
We are not tied to any lender or restricted to a panel of lenders. This enables us to look further to source the equity release scheme that is best suited to your unique circumstances.
We make later life lending accessible
Choosing the right later life lending plan is a significant decision.
That’s why we take the time to understand you and your needs before finding and recommending the plan that suits your circumstances and financial goals. We break down the jargon and support our clients at every step of the process, with full transparency, so you have everything you need to make an informed choice about your finances.
If you are a homeowner over 55 and have a question about equity release, you can download or request a copy of our Borrowing Guide, read our FAQ, or talk to an adviser for a no-obligation consultation.
Our clients always come first
Our expert later life lending advisers are committed to offering honest and ethical advice that is tailored to your unique circumstances. Our main role is to make sure you’re making the right decision.
We operate to the highest standards and will always explore other financial options first, before proceeding with an equity release plan. We will only arrange a mortgage if we are completely happy that it meets your best interests. If we believe it’s not suitable for you, we will say so.
We are equity release experts
55Plus advisers have decades of experience within the mortgage sector and are specialists when it comes to later life lending plans.
We know the lenders and the products, as well as the best options available for homeowners over 55.
We are renowned for our pre-eminent expertise in all aspects of equity release, particularly involving complex elements and situations. Whether you live in an unusual property, have been turned away by other equity release advisers, or have unique lifestyle needs that make securing a later life mortgage difficult, we will do our best to find a suitable solution for you.
Always clear, transparent and honest
Releasing equity value from a home is a significant decision. That’s why we always encourage your children, relatives, or close friends to attend appointments with you, so you can discuss the available options with the people you trust the most.
At 55Plus, we will never arrange a mortgage until you have taken independent legal advice, and we will not proceed with your application if we believe that it is not in your best interests.
We give you confidence and peace of mind that you are making the right decision for your later life financial goals.
Local and personal service
Securing later life finance needs to be right for your unique circumstances.
We are a trusted partner, adviser, and friend to our clients. We are committed to helping clients reach their potential and take time to understand exactly what is important to them and how best we can help them prosper.
We also understand the importance of creating strong relationships based on empathy, integrity, service, and expert knowledge. That’s why 55Plus advisers take the time to get to know you personally with face-to-face meetings, video calls and phone conversations. This helps us to understand your situation, what financial options may be available and if equity release is the right solution for you.
This means we can devise a solution that is specifically tailored to you – at the point of requesting an equity release plan and in the future if a better product becomes available.
Specialists in later life lending
We only do equity release, through Lifetime Mortgages, Home Reversion plans or Retirement Interest Only (RIO) mortgages.
We prefer to focus on being experts in one area – and our specialism is rewarded with regular industry awards.
Being specialists also means we won’t try and sell you other services. If you ask us to, we can refer you to our extensive network of trusted professionals in other financial specialisms.
We arrange market-leading products.
As independent later life lending experts, 55Plus has access to the biggest, most respected lenders for equity release.
This means we only arrange mortgages for homeowners over 55 with lenders that we know and trust, who will deliver the best outcomes for their personal circumstances.