Borrow if you are over 55

Unlocking the Value in Your Home

If you are aged 55 or over, Equity Release could allow you to access the value tied up in your UK property. The most common method is a Lifetime Mortgage, which is a loan secured against your home.

You can choose to receive the funds as a single lump sum or in smaller, regular amounts to suit your needs—potentially providing the capital required for a second property or a holiday home. Your UK property must remain your main residence.

Equity release will reduce the value of your estate and may affect your entitlement to means-tested benefits.

A lifetime mortgage is a long-term loan secured against your home. Your home may be repossessed if you do not keep up repayments or if the terms of the agreement are breached.