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Equity Release

Often referred to as later life lending or a lifetime mortgage, equity release allows homeowners aged 55+ to access the value tied up in their property without needing to sell or move out.

  • How it works:
  • A loan is secured against the client’s home
  • The client retains full ownership
  • No mandatory monthly repayments (though options exist)
  • Interest ‘rolls up’ and is repaid when the client dies or moves into long-term care
  • The loan is typically repaid through the sale of the property
  • Key Features
    Our expertise allows us to place cases that fall outside mainstream criteria, including:
  • Tax-free cash (released equity is not income)
  • Flexible options (lump sum, drawdown, or both)
  • Optional repayments to manage interest
  • No negative equity guarantee (with regulated plans)
  • Key Features of Equity Release
  • A loan is secured against the client’s home
  • The client retains full ownership
  • No mandatory monthly repayments (though options exist)
  • Interest ‘rolls up’ and is repaid when the client dies or moves into long-term care
  • The loan is typically repaid through the sale of the property
  • Equity Release Myth Busters
  • Myth 1: "My client will lose ownership of their home"
    Reality: Clients retain full ownership and can remain in their home as normal.
  • Myth 2: "Equity release means clients can end up owing more than the property is worth"
    Reality: Products from the Equity Release Council include a No Negative Equity Guarantee, meaning clients or their estate will never owe more than the value of the home when it is sold.
  • Myth 3: "Clients can’t make repayments"
    Reality: Many modern equity release products offer flexible repayment options, allowing clients to make voluntary or regular payments for a set period or indefinitely to help manage the balance, reduce rolled-up interest, or stop interest from rolling up altogether.
  • Myth 4: "Equity release is only for clients struggling financially"
    Reality: Clients also use it for retirement planning, family support, debt repayment, home improvements, and inheritance tax planning.
  • Many clients have substantial wealth tied up in their property that could be used to support their retirement plans.
  • Equity release can provide access to funds without the need to sell the family home or downsize, whilst still retaining full ownership of the property.
  • Interest rolls up over time and, together with the loan amount, is typically repaid from the sale of the property when the client dies or moves into long-term care.
  • Clients can use released equity to enhance their lifestyle, support family members, clear existing debts, or fund home improvements.
  • Specialist Hub provides expert, compliant equity release advice for clients aged 55 and over.
  • We manage the process and compliance requirements, enabling you to support clients without the need for additional qualifications.
Submit a Case

Submit a Case

Introducer Details

Applicant Details

Loan Details

£
Loan amount must be between £10,000 and £50,000,000 (whole pounds only).
Please select a purpose.
£

How it works

Understand

We have over 40 years’ experience so will understand your client’s needs.

Solution

With our in-house quoting systems, we find the right solution and fast.

Offer

We ensure your client gets their offer with minimum fuss.

Commission

We pay you your commission on the day your case completes.