Equity Release

Paper house cut out showing equity release

For equity release mortgage products, we currently act as introducers only.

Before we explain how to release equity from your home, it would make sense to fully explain what home equity is and how you obtain it in the first place.

About Home Equity

Your home equity is the value left over after all charges - i.e. your mortgage, including any second charge - are deducted from your home’s full market value.

You hold a certain amount of equity in any property you own.


It can be a little confusing, so just remember that you own the whole property as your name is the one on the title deeds. The lender doesn’t own any portion of the property; they have a claim to a certain amount of the equity equivalent to your outstanding mortgage debt and any unpaid interest.

The lender’s interest in the property is noted with the title deeds to ensure they’ll receive the amount they’re owed when you sell the property or remortgage, or if you fail to keep up your payments and they repossess the property.

Piggybank locked in a cage

How to Release Equity from Your Property

There are 2 types of equity release products:

These equity release products are later life options. They aren’t repaid until the property is sold after you die or enter long-term care with no prospects of returning to the residence. You’ll only be eligible for a lifetime mortgage or home reversion scheme if you’re over 55 or 65 respectively.

Equity release is suitable for people who want to borrow or obtain funds but are either approaching retirement or are already retired and therefore might not have enough income for a normal repayment mortgage.

For second charge mortgages we act as introducers only.

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