Equity Release.

A lifetime mortgage could unlock the cash from your home.

We've launched a specialist brand for independent Equity Release advice, allowing us to better serve our customers and grow our offering.

Equity Release Calculator

Use our simple equity release calculator to see how much equity you could release from your home.

How old are you?

How much is your home worth? (£)

You could release with equity release.

Want to find out if you're eligible for this amount?

For you, for life...

Equity release can provide you with the means to live a more comfortable retirement, however you choose to spend it.

Including things like:

Home improvements and repairs

Holidays and lifestyle spending

Paying off other debts

Equity release with HQ

Expert advice and support

Service to suit your needs

The best deal on the market

Equity Release Council approved

Live a better retirement

What equity release can do for you

Pay off an interest only mortgage

Give you some extra spending money for necessities and luxuries

Help your kids and grandkids with a deposit or student loans

Update and maintain your home

Give your loved one's some early inheritance

Repay existing mortgages, loans and credit cards

Equity Release FAQs

Will I need to make monthly payments?

No, but you can.

As standard, interest on your equity release plan will "roll up", meaning it adds up over the course of the loan, it is then repaid when the property is sold when you die or move into long-term care.

There are equity release plans that allow you to make monthly payments if you do wish to reduce the interest or capital on your loan.

Will I still own my property?

Yes, you will remain the owner of your property 100%. The debt from your equity release plan is paid off after death, in the meantime, you own and live in your home rent-free.

Can I move home after taking out Equity Release?

Yes, your provider will allow you to move home with your plan still in place providing the new property meets their conditions.

Could I lose my home with Equity Release?

No, according to the new standards put in place by the Equity Release Council, you will never owe more than the value of your home, which means that as long as you don't break the terms of your agreement, there is no chance of losing your home.

Will taking out Equity Release affect my pension?

No, taking out an equity release plan will not affect your state pension or any personal pension.