Unlock Your Home’s Potential for a Secure Future

Personalised Equity Release Solutions Tailored to Your Needs

What We Do

Equity-unlock.co.uk specialises in providing bespoke equity release services, designed to help homeowners unlock the value of their property in a way that best suits their financial goals. We focus on delivering tailored advice and solutions to ensure that every step aligns with your unique financial journey.

At Equity-unlock.co.uk, our goal is to provide clarity, confidence, and peace of mind as you explore your options for equity release. We take pride in offering a service that is as unique as you are, ensuring that your needs are always our top priority.

Who could Benefit from Equity Release?

At Equity-unlock.co.uk, we understand the diverse needs of our clients. Whether you’re planning for retirement, looking to support your family’s future, or seeking more financial flexibility, we offer a range of equity release options tailored to fit your specific situation. Our personalised approach ensures that you receive expert advice and solutions that are right for you.

Our comprehensive service covers all aspects of equity release, from the initial consultation to the final decision-making. We work closely with you to understand your unique goals, providing a seamless experience that prioritises your peace of mind and financial well-being.

Our Services

Where We Excel

01

Equity Release Advice

Receive expert guidance to explore how releasing equity from your home could work for you, with tailored advice that fits your unique financial situation.

Customised Financial Solutions

02

We offer bespoke financial solutions that go beyond standard equity release plans, ensuring you find the best approach for your future.

Comprehensive Support

03

From your initial consultation through to the completion of your equity release process, our dedicated team is here to support you every step of the way.

Why Choose Us

We pride ourselves on offering a personalised approach to equity release, understanding that each client has unique needs and goals. Our commitment to providing tailored solutions ensures that you receive the best possible service, with a focus on transparency, trust, and long-term financial stability.

At Equity-unlock.co.uk, we are dedicated to delivering high-quality service that reflects our core values of integrity, empathy, and professionalism. Our experienced advisers are here to guide you through every step, making sure that your journey is smooth and straightforward.

Get Started

Discover how you can unlock the value of your home with a service that truly understands your needs. Complete the form below, and one of our experienced advisers will get in touch to schedule your free, no-obligation consultation.

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Frequently Asked questions

What is Equity release?
Equity release is a financial product available to homeowners in the UK, typically aged 55 or over, that allows them to access the cash tied up in their home without having to sell it. This money can be taken as a lump sum, in smaller payments, or a combination of both. The two main types of equity release are lifetime mortgages and home reversion plans.
With lifetime mortgages, the homeowner borrows against the value of their home and doesn’t usually have to make any repayments until they pass away or move into long-term care. Interest is added to the loan, and the full amount is repaid from the sale of the home.
 
In a home reversion plan, part or all of the home is sold to a provider in exchange for a tax-free lump sum or regular payments. The homeowner retains the right to live in the property rent-free until they pass away or move into care.
 
Equity release can be a helpful way for people to fund their retirement, make home improvements, or support family members, while still enjoying the security of staying in their own home. However, it’s important to seek advice from a qualified advisor to ensure it’s the right option.

Equity release allows homeowners, usually aged 55 or older, to unlock the value of their property without having to sell or move. You can access this cash as a lump sum, regular payments, or a combination of both, while continuing to live in your home. The loan, plus interest, is typically repaid when the property is sold after you pass away or move into long-term care.

Yes, with a lifetime mortgage, the most popular type of equity release, you retain full ownership of your home. The loan is secured against your property, and repayment is usually only required when you pass away or move into permanent care. With a home reversion plan, you sell part or all of your property, but retain the right to live in it rent-free for the rest of your life.

Equity release reduces the value of your estate, as the loan and any accrued interest are repaid from the sale of your home when you pass away or move into care. Some products offer inheritance protection options, allowing you to safeguard a portion of your home’s value for your loved ones.
 
However, equity release can also impact any state benefits you may be entitled to, such as Pension Credit or Council Tax Reduction, as it may change your financial circumstances. It’s crucial to weigh up the pros and cons, considering how it could affect both your family’s inheritance and your entitlement to benefits. Discussing your options with your family and seeking expert advice from a financial advisor will help you understand the long-term impact.