Equity Release Mortgages
Homeowners aged 55 and over can access tax-free cash without selling or making monthly repayments.
Why equity release?
Equity release allows homeowners aged 55 and over to access the wealth tied up in their property without having to sell or move. It can provide a tax-free lump sum or regular income to supplement your retirement, fund home improvements, help family members, or cover care costs. The loan plus accumulated interest is typically repaid when you die or move into long-term care. Our [borrowing calculator](/calculators/borrow-amount) can give you an initial indication of the amounts involved.
There are two main types of equity release: lifetime mortgages, where you borrow against your home and the interest rolls up over time, and home reversion plans, where you sell a share of your home in exchange for a lump sum. Lifetime mortgages are by far the most popular option, accounting for the vast majority of equity release plans in the UK.
At Clearview Mortgage Solutions, our advisers are qualified to advise on equity release products. We’ll explain all the options, help you understand the long-term costs, and ensure you make an informed decision that’s right for you and your family.
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Read the guides.
Explainers covering deposits, schemes, the application, and what lenders actually look for.
Guides about Equity Release mortgages
A guide to equity release
A complete overview of equity release for over-55s, including how it works, eligibility, safeguards, and how to decide if it’s right for you.
ReadLifetime mortgage vs home reversion
A detailed comparison of the two main types of equity release, explaining how each works and who they suit best.
ReadEquity release costs and fees
Understanding the full costs of equity release, from interest rates and arrangement fees to the long-term impact on your estate.
Read
Frequently asked.
Yes, but the amount available for inheritance will be reduced by the amount you owe. With a lifetime mortgage, the debt grows over time through compound interest, so the longer the plan is in place, the less equity remains. Many plans offer an inheritance protection feature that allows you to ring-fence a percentage of your home’s value for your beneficiaries.
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equity release mortgages have their own quirks. Our CeMAP-qualified advisers compare 90+ UK lenders and explain how each one applies to you — no obligation.
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