Equity Release Council Members
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Unlock Tax-Free Cash from Your Home – Safely and Simply
FCA-Regulated Advice for Homeowners Aged 55+ Across the UK
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✅ Keep Ownership of Your Home
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How much equity could you release?
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A lifetime mortgage is a loan secured against your home. To understand the features and risks, ask for a personalised illustration. Equity release will reduce the value of your estate and may affect your entitlement to means tested benefits.
Your home may be repossessed if you do not keep up contractual repayments on your mortgage.
Visit the FCA’s consumer website for more information - www.moneyhelper.org.uk
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It explains:
What is equity release?
What could equity release do for you and your family?
Is equity release the right decision for you?
Things you should consider
What are the alternatives to equity release?
Frequently asked questions
What Is Equity Release & How Does It Work?
Equity release lets homeowners aged 55 or over access money tied up in their home – without having to move or make monthly repayments. The most common type is a lifetime mortgage, where the loan and interest are repaid from the property’s value when it’s sold (usually after you pass away or move into long-term care).
Key Benefits:
Access tax-free cash, typically as a lump sum
Maintain ownership of your home
Spend the money how you choose – home improvements, helping family, or boosting retirement income
Equity release may reduce the value of your estate and may affect your entitlement to means-tested benefits
Are you eligible?
To be eligible for Equity Release you need to meet the following criteria
Top Five Reasons for Releasing Equity
Home and/or garden improvements
Pay off existing debts
Go on holiday and see the world
Clear an outstanding mortgage
Treat or help friends and family
Frequently asked questions
What is equity release?
Equity release is a way for homeowners aged 55 or over to unlock some of the money tied up in their home without having to sell or move out. The most common types are lifetime mortgages
Do I still own my home with equity release?
Yes, with a lifetime mortgage, you retain full ownership of your home.
How much money can I release?
The amount depends on:
Your age (minimum 55)
The value of your property
Your health and lifestyle (some providers offer enhanced plans)
Typically, older individuals can release a higher percentage of their home’s value.
Will I have to make monthly repayments?
Not usually. With most lifetime mortgages, interest rolls up and is repaid when the home is sold—usually when you pass away or move into long-term care. However, some plans allow voluntary payments to reduce the interest.
Will equity release affect my benefits or tax position?
Yes, receiving a lump sum or regular income through equity release may affect your means-tested benefits (like Pension Credit or Council Tax Support). We can check this for you.
What happens to my home when I die or go into care?
When you die or move into permanent care, your home is typically sold, and the loan (plus interest) is repaid from the proceeds. Any remaining value goes to your estate or beneficiaries.
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Authorised and regulated by the Financial Conduct Authority
Home Equity Release is an appointed representative of Cornerstone Finance Group Ltd
which is authorised and regulated by the Financial Conduct Authority.
Cornerstone Finance Group Ltd is registered in England & Wales. No. 08458702.
Registered Office: Unit E Copse Walk, Pontprennau, Cardiff, Wales, CF23 8RB.
Cornerstone Finance Group Ltd (FCA No. 767202)
Home Equity Release Limited is registered in England and Wales No. 15250542
Registered office address: Quest House, Fortran Road, St Mellons, Business Park, Cardiff, CF3 0EY.
Home Equity Release Ltd (FCA No. 1013614)
Telephone : 02922 807160
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