Your home.
Your future.
Your choice.
Release My Equity is an independent equity release specialist. We listen, we guide, and we care — helping homeowners aged 55+ unlock the value in their property on their own terms.
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How it works
From your first call to completion — a clear, unhurried process with you in control at every step.
Free Consultation
A relaxed conversation with a qualified adviser. No pressure, no commitment. We listen to what matters to you.
Independent Research
We search a comprehensive panel of leading equity release lenders to find the most suitable product for your circumstances.
Your Recommendation
We explain every option clearly, walk you through your KFI line by line, and give you at least 5 working days to reflect.
Completion & Beyond
We guide you through the legal process, call you 30 days after completion, and review your case annually.
What do people use equity release for?
Everyone’s reasons are different. Here are some of the most common.
Clear an existing mortgage
Some people use the money to repay a mortgage so there are no more monthly mortgage payments.
Improve your home
Adaptations, repairs or a new kitchen or bathroom to make your home work better for you.
Help your family
Some people give a gift or a deposit to children or grandchildren while they can see the difference it makes.
Top up your income
A regular amount through a drawdown plan to support everyday living costs in retirement.
Clear other debts
Credit cards, loans or other borrowing that is putting pressure on your monthly budget.
Enjoy retirement
Holidays, a new car or time with family that you might otherwise have put off.
Plan for care costs
Funding care at home or planning ahead for future care needs.
Something else
Every situation is different. Tell us what matters to you and we will talk it through.
Equity release is not right for everyone, and it reduces the value of your estate. We always look at the alternatives with you first.
Advice you can trust
Qualified specialists who believe you deserve genuine, unhurried advice — never rushed, never pressured.
Independent specialists
We search a comprehensive panel of leading equity release lenders. Your best outcome is our only objective.
Your dedicated adviser
One adviser, one relationship. You will always speak to the same person who knows your situation and your family.
5-day reflection period
We operate a minimum 5-day reflection period before any application. Time to think, discuss, and decide — without pressure.
Consumer Duty committed
Built around the FCA’s Consumer Duty principles — evidencing good outcomes for every customer, not just good intentions.
Alternatives always considered
Downsizing, state benefits, family support, RIO mortgages — all explored before equity release is recommended.
Post-completion care
A welfare call 30 days after completion. An annual review. You are a client for life, not a case number.
Your questions answered
Straight answers to the questions we hear most often.
What is equity release?
Equity release lets homeowners aged 55 or over unlock some of the value in their home without having to sell it. The most common type is a lifetime mortgage: you borrow money secured against your home and carry on living there. The loan, plus any interest that has been added, is normally repaid when you die or move permanently into long-term care.
Who can apply?
You generally need to be a homeowner aged 55 or over, with a UK property that meets the lender’s minimum value. Any existing mortgage normally has to be repaid from the money released. Each lender has its own rules, so we check this with you on your first call.
How much could I release?
It depends mainly on your age (and your partner’s if you apply together), the value and type of your home, and sometimes your health. In general, the older you are, the larger the share of your home’s value you can release. Our calculators give an indicative figure; only a full assessment gives you a personalised one.
Do I have to make monthly payments?
Most lifetime mortgages do not require monthly payments, and the interest is added to the loan. Some plans let you pay the interest, or make voluntary repayments, which can slow the growth of the amount you owe. Your adviser will explain which options are available and what they mean for you.
How does the interest work?
On many lifetime mortgages the interest is added to what you owe and then itself earns interest. This is called compound interest. The amount owed can grow substantially over time, which reduces the equity left in your home. We show you how the figures could look over time before you decide.
Will I still own my home?
Yes. With a lifetime mortgage you remain the owner and can live in your home for life, as long as you keep to the plan’s terms, such as keeping the property insured and in good repair.
What about my inheritance?
A lifetime mortgage reduces the value of your estate, because the loan and interest are repaid from the sale of your home. Some plans let you protect a share of your home’s value as an inheritance. You are welcome to involve family members in the conversation.
Is there a no negative equity guarantee?
Yes. All the lenders we use are members of the Equity Release Council, so every plan we arrange carries the no negative equity guarantee. This means you, or your estate, will never owe more than the sale value of your home, even if the loan has grown larger.
Could it affect my benefits?
It can. Money you release may affect means-tested benefits such as Pension Credit or Council Tax Reduction. We look at this as part of our advice, and our guide on benefits explains more.
Can I move home or repay early?
Many lifetime mortgages can be moved to another suitable property, subject to the lender’s criteria. Repaying early may involve early repayment charges, which can be significant. Your plan documents show the charges before you commit.
What does it cost?
As well as interest on the loan, there are usually costs for a valuation, legal fees and a lender fee. We also explain our own advice fee in writing before you decide, and we only charge it if your plan completes. The initial conversation with us is free.
What are the alternatives?
Equity release is not right for everyone. Depending on your situation, alternatives may include downsizing, a retirement interest-only (RIO) mortgage, using savings or pensions, claiming benefits you may be entitled to, or help from family. We explore these with you and tell you honestly if something else may suit you better.
Do I need a solicitor?
Yes. Before a lifetime mortgage can go ahead you must take independent legal advice from a solicitor, who explains the plan and confirms your understanding in writing. This is a regulatory requirement, and it protects you and your family.
Want more detail? Read our plain English guides and jargon buster, or request a call and talk it through with an adviser.
What our clients say
Independent, verified reviews from real Release My Equity customers — collected and published by Feefo.
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