Equity Release Mortgages
If you are 55 or over, you can release tax-free cash from your home without selling it or taking on monthly repayments.
Why equity release?
Equity release lets you, as a homeowner aged 55 or over, get at the money tied up in your home without selling it or moving out. You can take the cash as a tax-free lump sum or as regular income, and people use it to top up a pension, pay for home improvements, help family, or cover care costs. What you borrow, plus the interest that builds up on it, is usually paid back when you die or move into long-term care. Our [borrowing calculator](/calculators/borrow-amount) gives you a first idea of the sums involved.
Equity release comes in two main forms. A lifetime mortgage is a loan secured on your home where the interest rolls up (adds to the balance) over time rather than being paid monthly. A home reversion plan means selling a share of your home for a lump sum. Most people choose a lifetime mortgage, which accounts for the vast majority of equity release plans taken out in the UK.
Our advisers at Clearview Mortgage Solutions are qualified to advise on equity release and lifetime mortgages. We go through the options with you, show you what the long-term costs come to, and give you what you need to make the right call for you and your family.
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Read the guides.
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Guides about Equity Release mortgages
A guide to equity release
A full overview of equity release for the over-55s: how it works, who qualifies, the safeguards in place, and how to decide whether it suits you.
ReadLifetime mortgage vs home reversion
A close comparison of the two main types of equity release, how each one works, and the sort of person each tends to suit.
ReadEquity release costs and fees
The full cost of equity release, from interest rates and arrangement fees to the way compound interest affects what you leave behind.
Read
Frequently asked.
Yes, though the inheritance will be smaller by whatever you owe. With a lifetime mortgage the debt grows through compound interest, so the longer the plan runs, the less equity is left. Many plans offer an inheritance protection feature that lets you 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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