Talk to one of our mortgage experts on 0808 172 9354

Talk to one of our mortgage
experts on
0808 172 9354

Equity Release

Enjoy financial freedom by releasing the cash tied up in your home.

Search Rates ME

Search Rates

We search all provider plans to find you the current equity release rate on the market.

Equity Release Council ME

Peace of Mind

We're members of the Equity Release Council and only compare their approved plans.

No Credit Checks ME

No Credit Checks

There are no credit checks required to do your Equity Release quote.

Is Your Retirement Living Up to Expectations?

Retirement should be a time for relaxation and enjoyment, a period where you finally get to savour the fruits of your labour. However, many find that a reduced income or limited savings can hinder their ability to fully enjoy this phase of life, making it challenging to maintain their desired lifestyle. At Mortgage Experience, we understand these concerns and offer solutions to help you achieve the retirement you deserve.

What is Equity Release?

Equity Release is a financial product that allows you to unlock the value tied up in your home without the need to sell and move to a less familiar area. This means you can convert part of your home’s value into cash that you can use now, giving you the freedom to fund your retirement dreams, whether that means traveling, renovating your home, or simply having a more comfortable lifestyle.

Why Use Equity Release?

Financial security is crucial for a fulfilling retirement. A reduced lifestyle due to financial constraints can be a difficult and distressing experience. With Equity Release, you can access funds to enhance your quality of life and ensure you don’t miss out on social activities, staying connected with friends and family, and pursuing opportunities that come your way.

Here are some common reasons why our clients choose Equity Release:

  • Repaying an Existing Mortgage and Settling Outstanding Debt: Clear your debts and enjoy a debt-free retirement.
  • Home Improvements: Upgrade your living space or invest in a new car, caravan, or holiday home.
  • Improving Your Standard of Living: Use the funds to enhance your day-to-day life.
  • Gift of Early Inheritance: Provide financial support to your loved ones.
  • Generating Additional Income: Supplement your retirement income for extra financial security.
  • Deposit Funds Towards House Purchase for a Family Member: Help your family members with their property purchases.
  • Funding Home Care Services: Ensure you have the necessary funds for any care services you may require.

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We're Members of the Equity Release Council

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Mortgage Experience is proud to be a member of The Equity Release Council (formerly Safe Home Income Plans or SHIP). We exclusively recommend providers who are also members of the Council to ensure the highest standards of service and protection for our clients. The Council’s primary goal is to safeguard customers while enhancing financial literacy to support informed decision-making.

At Mortgage Experience, we uphold the principles of The Equity Release Council:

  • Act at all times with utmost good faith.
  • Always act in the best interests of the client, treating them fairly in all actions.

Essential Guarantees Provided by Council Members

All members of The Equity Release Council offer these critical guarantees to customers:

  • Lifetime Mortgage Interest Rates: Interest rates must be fixed, or if variable, there must be a fixed “cap” (upper limit) for the life of the loan.
  • Right to Remain in Your Property: You have the right to stay in your home for life or until you need long-term care, as long as the property remains your primary residence and you comply with the terms and conditions of your contract.
  • Right to Move: You can move to another property, provided the new property is acceptable to your product provider as security for your equity release loan.
  • No Negative Equity Guarantee: This guarantee ensures that when your property is sold, even if the sale proceeds (after agents’ and solicitors’ fees) are insufficient to repay the outstanding loan, neither you nor your estate will be liable to pay any more.

No Monthly Repayments

No Negative Equity Guarantee

Retain 100% Home Ownership*

* Retain 100% home ownership with a lifetime mortgage, does not apply to home reversion plans.


Most frequent questions and answers

Yes, all members of The Equity Release Council allow you the freedom to move to a suitable alternative property. However, you must inform your provider before doing so. When you move, you have the option to repay the loan and interest in full or transfer the plan to your new property if it meets the provider’s criteria at that time. It’s essential to check with your provider for any restrictions or penalties that may apply before making the move.

Yes, you will be responsible for maintaining the property in at least as good a condition as it was when the plan was taken out. Proper upkeep is necessary to ensure compliance with the terms of your equity release plan.

Taking out an equity release plan will not affect your State Pension or any personal pensions. You can access the funds from your property without impacting these income sources.

Using your property to enhance your retirement will reduce the value of your estate upon your death. Therefore, it is strongly recommended that you discuss your intentions with your family before making this significant decision, unless there are exceptional circumstances. Open communication can help ensure that everyone understands your financial choices and the implications for your estate.


About Mortgage Experience - Equity Release Specialists

At Mortgage Experience, we specialise in helping people release money from their homes. With decades of combined experience, our team is dedicated to providing the best customer outcomes. From the moment you pick up the phone, you can be confident you are in safe hands.

We have been working together for over 20 years and offer a nationwide service, catering to homeowners throughout the UK. Our commitment is to provide individual retirement solutions tailored to meet your needs, aspirations, and circumstances. We strive to exceed your expectations and aim to be the natural choice for those seeking financial security in retirement.

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To understand the features and risks, ask for a personalised illustration.

There may be a fee for mortgage advice. The precise amount will depend upon your circumstances and will be agreed with you before proceeding, but we estimate it will be £1,295.

Equity release includes Lifetime Mortgages and Home Reversion Schemes. We can advise and arrange Lifetime Mortgages and will refer to an approved specialist for Home Reversion schemes.