Equity release advice for homeowners aged 55+

Release equity from your Welsh home

Lifetime mortgages and home reversion plans, advised on properly. We look at whether equity release is right for you at all — and tell you if something else would serve you better.

Speak to an adviser

No obligation · All fees disclosed in writing before you decide

Equity release will reduce the value of your estate and may affect your entitlement to means-tested benefits. A lifetime mortgage is a loan secured against your home. Interest rolls up, so the amount owed can grow quickly. To understand the features and risks, ask for a personalised illustration.

How the advice process works

We understand your situation

Your age, property, income, health, family plans and what you actually need the money for. Nothing is recommended before we know this.

We test the alternatives first

Downsizing, a retirement interest-only mortgage, a conventional secured loan, or simply doing nothing. Equity release is only recommended when it genuinely beats the alternatives.

You get a written illustration

A personalised illustration showing the plan, the costs, how the debt grows over time and what would be left in your estate. You take that away and think about it.

What people use equity release for

Repaying an interest-only mortgage that is reaching the end of its term

Home adaptations and improvements to stay in the family home longer

Supplementing retirement income where a pension falls short

Helping children or grandchildren onto the property ladder

Clearing existing debts that are difficult to service in retirement

Meeting care costs at home rather than moving into residential care

Before you consider equity release

Downsizing

Moving to a smaller property releases equity without any interest cost at all. It is often the cheapest option — it just isn't always the one people want.

Retirement interest-only mortgage

You pay the interest monthly, so the debt does not grow. Suitable if you have enough retirement income to cover the payments.

A conventional secured loan

If you are still earning and the sum is modest, a standard secured loan over a defined term can cost far less overall.

Family support

Sometimes the honest answer is a conversation with your family first. We will always raise it.

Equity release — common questions

Talk it through with someone impartial

A free, no-obligation conversation with an adviser who will tell you if equity release isn't right for you.

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