Answer a few quick questions
Tell us your age, a rough property value, your postcode, and the best time to call. Takes under 60 seconds.
FCA-regulated · Equity Release Council member · No monthly repayments required
See how much tax-free cash you could unlock from your home
Many UK homeowners aged 60+ have £100,000 or more sitting in their property — and don't realise they can access it. A free call with a specialist could show you exactly what's available, with no obligation to proceed.
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Secure & FCA Regulated · No Obligation
How the conversation works
What happens when you get in touch
A specialist calls you back
At the time you choose. The first call is short, free and there is no obligation.
We look at the options properly
If the first call suggests it could work for you, we book a second call to go through exact figures, your options, and any questions your family might have.
You decide, in your own time
No pressure, no chase calls. If a later life mortgage is right, we arrange it. If not, we tell you plainly.
Two real examples
Real people, real results
Names and details may have been anonymised. Case studies are for illustration only; outcomes depend on individual eligibility, lender criteria and product availability. Excludes costs such as legal fees and stamp duty.
Meet the adviser team
You'll speak to a specialist — not a call centre
Later life lending is a different discipline to standard mortgages. Our advisers specialise in it full-time, which means they know which products work for your situation — and when to recommend you don't borrow at all.
Andrew Teeman
Best Individual Later Life Adviser 2025 · MAB Later Life Affiliate Principal & Adviser
"Lifetime mortgages, RIO and wider later life planning need specialist knowledge. Our job is to make the options clear and help people make well-informed decisions at their own pace."
Best Individual Later Life Adviser · British Later Life Lending Awards
What clients told us mattered most
"Everything was explained clearly, without pressure, and the adviser took time to talk through every option before we decided what felt right for us."— Roy & Julie, Cheshire
"You made the whole process much easier with your help, knowledge and clear explanations throughout."— Carol, Suffolk
Important. A lifetime mortgage will reduce the value of your estate and may affect your entitlement to means-tested benefits. Think carefully before securing a loan against your property.
Frequently asked questions
Your questions, answered
Am I eligible?
You need to be aged 60 or over, own a UK property worth at least £70,000, and be a UK resident. You don't need a minimum income. If there's an outstanding mortgage, that's fine — many customers use equity release to clear it.
Is equity release a good idea?
It depends entirely on your situation, which is why we don't recommend it to everyone. For some people it's genuinely life-changing — clearing debts, helping family, or simply making retirement more comfortable. For others, there are better alternatives. Our job on the first call isn't to sell you anything — it's to tell you honestly whether it makes sense for your circumstances. If it doesn't, we'll say so.
Will I still own my home?
Yes. You remain the legal owner; the lender simply holds a charge, as with a standard mortgage.
Will I leave debt to my children?
No. Every plan we arrange carries a No-Negative-Equity Guarantee, so the debt can never exceed the home's sale value.
Will it reduce what I leave behind?
Yes — that's the trade-off. Some products let you ringfence a percentage of the home's future value as guaranteed inheritance.
Could it affect my means-tested benefits?
It can. Your adviser checks this before recommending anything.
What if I want to move house later?
Most modern plans are portable to a new property, subject to lender criteria.
Can I repay the loan early?
Usually yes. Most plans allow voluntary partial repayments; full early repayment may trigger a charge in the early years.
My bank already said no — can you really do something different?
Often, yes. Specialist later life lenders use criteria designed for retirement income.