Equity Release Mortgages
Access the Value of Your Home Without Selling
Releasing the equity in your home with a lifetime mortgage can provide the flexibility and financial freedom you’re searching for. We understand the personal decision that you face, which is why our discreet, expert equity release advice, tailored to your circumstances, is delivered with the care, sensitivity, and clarity you deserve.
An equity release mortgage could boost your retirement income, support the family, or simply enable you to enjoy the financial comfort that you’ve been working toward. However you decide to utilise the value from your equity release, we’re here to support you.
Seek advice about equity release schemes with trusted, later life mortgage advisers and find the most suitable solution for your unique circumstances.
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Please note: To understand the features and risks, always obtain a personalised illustration.
Releasing Equity in Later Life
Facilitated a Tailored Lifetime Mortgage to Fund Couple’s Retirement
CASE STUDY Finding a flexible equity release solution that meets today’s needs without compromising tomorrow’s plans. We’re delighted to share a recent case completion for a retired couple who were referred to us by a professional contact at a renowned asset management firm. This...
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How a Later Life Mortgage Funded Clients’ Retirement Goals
CASE STUDY Many people dream of a comfortable retirement filled with travel and pursuing passions, often requiring a significant financial buffer. However, lingering debt and limited retirement income can make this dream seem out of reach. This case study explores how a couple creatively leveraged a...
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Retired Couple Leverages Later Life Mortgage on £2.25m Home to Secure New Build Property
CASE STUDY A retired couple, referred to us by a private bank, sought to purchase a new build home in South East London. Their plan was to leverage their £2.25m property through a Later Life mortgage and arrange a drawdown reserve to...
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Facilitated a Tailored Lifetime Mortgage to Fund Couple’s Retirement
CASE STUDY Finding a flexible equity release solution that meets today’s needs without compromising tomorrow’s plans. We’re delighted to share a recent case completion for a retired couple who were referred to us by a professional contact at a renowned asset management firm. This...
Read More
How a Later Life Mortgage Funded Clients’ Retirement Goals
CASE STUDY Many people dream of a comfortable retirement filled with travel and pursuing passions, often requiring a significant financial buffer. However, lingering debt and limited retirement income can make this dream seem out of reach. This case study explores how a couple creatively leveraged a...
Read More
Retired Couple Leverages Later Life Mortgage on £2.25m Home to Secure New Build Property
CASE STUDY A retired couple, referred to us by a private bank, sought to purchase a new build home in South East London. Their plan was to leverage their £2.25m property through a Later Life mortgage and arrange a drawdown reserve to...
Read More
Trusted Later Life Mortgage Advisers
Why Clients Choose Henry Dannell to Support Them in Later Life
Henry Dannell specialises in guiding clients through later life with care, clarity, and discretion. Your experienced adviser will take the time to understand your personal goals and unique circumstances, offering tailored solutions to help you maximise the benefits of releasing equity. We are here to support your interests and help you to achieve long-term peace of mind.
As an FCA-regulated firm, and a member of the Equity Release Council, with SOLLA-accredited advisers, we’re committed to providing ethical advice, helping you to make confident, informed choices.
Am I Eligible for an Equity Release Mortgage?
An adviser can discuss the criteria for an equity release mortgage in more detail and inform you of the most suitable options for your later life lending requirements.
50+ |
Main UK Residence |
From £70,000 |
|---|---|---|
|
Minimum Age |
Property Type |
Minimum Property Value |
Trusted Advice. Meaningful Outcomes.
I was introduced to Stephen Savill through solicitors at Moore Barlow to discuss equity release. I found Stephen to be very professional in this field and easy to discuss personal matters with a great deal of confidence.
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Ways to Unlock Equity
Solutions to The Questions You Ask in Later Life
Using equity release, homeowners from the age of 50 can release tax-free funds which are tied up in the value of their home. With an equity release mortgage, borrowers can remain in their home. It is often commonly referred to as a lifetime mortgage, which allows you to borrow money against the value of the home and repay the loan from a sale of the property when the last of you has vacated.
Lifetime mortgages let you keep full ownership of the property, borrowing a portion of the property’s value. Unpaid interest will typically be added to the loan and repaid when the last borrower has vacated. Meanwhile, home reversion plans involve selling a percentage of the home in exchange for a lump sum or regular payments. You have the right to reside for life though you will no longer fully own the property..
A property owned in joint names will usually require both parties to be named borrowers. This means that they both have the right to reside in their property until the last has either moved into permanent care or died. This is an Equity Release Council product standard.
If your lifetime mortgage is with a provider that follows Equity Release Council standards, you may be able to transfer the loan to a new home, subject to lender approval and the new property meeting their prevailing lending criteria.
While most borrowers stay in their homes long term, this option can offer reassurance if your circumstances change.
Equity release products are regulated by the Financial Conduct Authority (FCA), meaning any adviser or lender you use must be authorised and meet strict conduct standards.
If you choose an adviser who is a member of the Equity Release Council (ERC) and recommends their approved plans, you benefit from additional safeguards, including:
- The right to remain in your home for life
- A No Negative Equity Guarantee, so you’ll never owe more than your home’s value
- The ability to port the loan to an acceptable new property
- The ability to make voluntary payments up to plan-specific annual limits
- Mandatory independent legal advice to ensure your interests are further protected.
These protections are designed to give you peace of mind and confidence in your later-life financial decisions.
Our Insights
3 Benefits of a Retirement Interest-Only Mortgage
3 Benefits of a Retirement Interest-Only (RIO) Mortgage in Later Life A Retirement Interest Only (RIO) mortgage is a type of loan that is designed for those in the latter years of their lives. As with other Later Life products, RIOs are typically available...
Read More
How You Can Achieve the Dream Retirement with a Later Life Mortgage
How can Later Life mortgages help you achieve the retirement you imagined? Research from the Office of National Statistics has shown that life expectancy in the UK has increased over the last 40 years. As such, the State Pension age has...
Read More
How to Downsize Your Inheritance Tax Bill with a Later Life Mortgage
Why some over-60s take out a mortgage on a property they own outright Taking out a mortgage in later life to bypass Inheritance Tax (IHT) is an option that some over-60s may look to consider if appropriate to their situation.
Read More
3 Benefits of a Retirement Interest-Only Mortgage
3 Benefits of a Retirement Interest-Only (RIO) Mortgage in Later Life A Retirement Interest Only (RIO) mortgage is a type of loan that is designed for those in the latter years of their lives. As with other Later Life products, RIOs are typically available...
Read More
How You Can Achieve the Dream Retirement with a Later Life Mortgage
How can Later Life mortgages help you achieve the retirement you imagined? Research from the Office of National Statistics has shown that life expectancy in the UK has increased over the last 40 years. As such, the State Pension age has...
Read More
How to Downsize Your Inheritance Tax Bill with a Later Life Mortgage
Why some over-60s take out a mortgage on a property they own outright Taking out a mortgage in later life to bypass Inheritance Tax (IHT) is an option that some over-60s may look to consider if appropriate to their situation.
Read MorePlease note: To understand the features and risks, always obtain a personalised illustration.