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Equity release could be the solution.

Want to add value to your home with a new kitchen, clear existing financial obligations or help your grandchildren onto the property ladder?

Equity release could be the solution.

Want to add value to your home with a new kitchen, clear existing financial obligations or help your grandchildren onto the property ladder?

How later life lending plans work.

Over 55 equity release unlocks the wealth in your home, so you can access it now to help loved ones or strengthen your financial position by providing a tax-free sum, with the option for staged payments.
You must be over 55 and own your own home, and the amount you can release depends upon the value of your property and your age (get an idea how much you could borrow with our borrowing guide).

There are three different types of equity release plans: lifetime mortgages, home reversion plans and retirement-interest-only mortgages (RIOs).

As members of the Equity Release Council, all lifetime mortgages and home reversion plans come with guarantees that, as long as the client keeps to the terms and conditions of the plan, they will never be turned out of their home and a negative equity debt will never be passed on to their beneficiaries.

This ensures that your equity release plan is tailored to suit your needs, with the trusted advice of an expert adviser at every step of the way.

Supporting the next step forward

Lifetime Mortgages and Home Reversion plans for the over 55s can provide the solutions you need  tailored to meet your unique circumstances, underpinned by our honest and independent advice.


Home & Garden Improvements

Home is where the heart is, so if your property no longer meets your needs or lifestyle, equity release can support your vision for your home.

Find out more about how our tax-free equity release products can help finance changes to your home, whether that be a new kitchen or bathroom, loft or garage conversions, renovations or maintenance or accessibility upgrades.


Dream Holiday

Whether it’s for a retirement getaway, visiting children or grandchildren who have emigrated to distant shores, exploring new cultures or a luxury cruise, equity release may be the key to making your holiday become a reality.


Help Friends & Family

Many of us hope to help our children, grandchildren, friends, and partners later in life but may not have the means to do so.

Whether it’s getting that first foot on the property ladder, paying off school or university fees, or starting a new business venture, find out how a later life financial scheme could help support your loved ones’ futures.


Pay off your Existing Mortgage

Whether you’re too old for a conventional mortgage or struggling to make your repayments, an over 55 equity release scheme can help you stay in the home you love.

Home Reversion plans and Lifetime Mortgages can be used to clear an existing residential mortgage if you have nowhere else to turn. Find out how equity release can help secure the home you cherish and give you peace of mind.


Help with Regular Bills

Entering retirement can signal a fall in regular income, which could make regular bills and lifestyle costs daunting — especially during periods of economic uncertainty.

With our range of specialist over 55 equity release plans, there is comfort knowing that your financials are secured and that you can meet unexpected future bills with a choice of tailored solutions.


Home Care and Nursing Fees

Equity release can help fund the support you need to stay in the comfort and familiarity of your own home, so you can maintain your later life independence.

Whether it’s for domiciliary care to help you with everyday tasks, at-home nursing care or live-in home care, find out how later life lending may be able to provide the answer you’re looking for.


Moving to a Nicer Home

Later life equity release plans can help – whether it’s to downsize for accessibility or necessity, securing additional finances to protect your savings or even to buy a second home to add a new dimension to your retirement.


Self-Funding Medical Fees

If you are unable to pay for necessary medical expenses, over 55 equity release can help to support your needs to improve your quality of life.

Later life lending solutions can help finance necessary medical treatments – whether it’s private healthcare, medications, or procedures – so you can enjoy life to the full and without waiting list worries.


Pay Debts

Paying off debt, such as loans or credit cards, can become a challenge in later life – especially if regular income has been reduced.

Our later life lending advisers will guide you through your options to identify the best solution for you, weighing up whether equity release is appropriate to your circumstances, or whether you might be better adopting an alternative strategy to manage your debt.

Your questions answered

Have a question about equity release schemes for over 55s? Our experts have the answers to your most common queries..
Read our FAQ

How much could you borrow?

Our property value guide will help you understand how much you may be able to borrow.