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A personal approach to later life lending

We are experts in helping homeowners over 55 find the right approach to equity release for their unique circumstances. If it's right for you, we'll help you access the equity in your property without having to sell it or move out.

As members of the Equity Release Council, we adhere to the highest standards of ethics and regulation. We’ll only recommend an equity release plan when we’re certain it’s right for you.
We offer a truly personal approach to ensure you understand every step of the process, giving you confidence to make the best financial choices.

A personal approach to later life lending

We are experts in helping homeowners over 55 find the right approach to equity release for their unique circumstances. If it’s right for you, we’ll help you access the equity in your property without having to sell it or move out.
As members of the Equity Release Council, we adhere to the highest standards of ethics and regulation. We’ll only recommend an equity release plan when we’re certain it’s right for you.
We offer a truly personal approach to ensure you understand every step of the process, giving you confidence to make the best financial choices.

Our products

Over 55 equity release plans

Lifetime Mortgages

A Lifetime Mortgage enables you to release equity via a tax-free loan secured against the value of your property. The interest charged is ‘rolled-up’ and added to the loan.

This means that you don’t have to make regular payments, so the amount you borrow, and the interest incurred is repaid when your home is sold.

Home reversion

Home Reversion involves selling a percentage of your home’s equity to a specialist lender who will give you the right to live in your home rent free for the rest of your life.

You’ll receive a lump sum, regular payments, or a combination of both, which is repaid when the property is sold.

Retirement Interest Only (RIO) Mortgages

A RIO Mortgage is a tax-free loan secured against the value of your home. You make monthly interest payments so that the overall amount you owe will not increase over time.

The loan does not have to be repaid until you sell your home, pass away or move into long-term care.

How much could you borrow?

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