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Equity Release

For many homeowners, their property is their biggest asset, Equity Release could help you make the most of the wealth built up in your property without the need to move home.

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Can Equity Release Help You Make The Most Of Your Home?

For many homeowners, their property is their biggest asset, but much of that value remains tied up in the home they live in every day.
If you’re looking for greater financial flexibility in later life, Equity Release could help you make the most of the wealth built up in your property without the need to move home.

Whether you’re planning for retirement, supporting loved ones, making improvements to your home or simply looking for additional financial freedom, there may be options available that allow you to achieve your goals while remaining in familiar surroundings.

At Fluent Money, our specialist advisers can help you understand the available options and whether Equity Release could be suitable for your circumstances.

Could Equity Release Be Right For You?

✔ Are aged 55 or over

✔ Own your own home

✔ Want to stay living in your property

✔ Need access to tax-free cash

What Is Equity Release?

Equity Release is designed to help homeowners unlock some of the value tied up in their property while continuing to live in their home.

Unlike selling your property or downsizing, Equity Release allows you to access money from your home’s value while still retaining the right to live there.

The money released is typically tax-free and can be used however you choose.

Many homeowners use Equity Release to:

  • Supplement retirement income
  • Pay off an existing mortgage
  • Make home improvements
  • Adapt their home for later life
  • Help children or grandchildren financially
  • Enjoy retirement with greater peace of mind

Important information

You should always think carefully before securing a loan against your property.

A lifetime mortgage will reduce the value of your estate and may affect your entitlement to means-tested benefits. Clearing an existing mortgage with a lifetime mortgage may result in higher cost of borrowing. Mortgage Advice Bureau charges a fee for later life mortgage advice. The fee is up to £1,295

How Does Equity Release Work?

Step 1

Step 1

Speak with a specialist adviser about your circumstances and goals.

Step 2

Step 2

We’ll help you understand which later life lending options may be suitable.

Step 3

Step 3

If Equity Release is appropriate, we’ll compare available products from our panel of lenders.

Step 4

Step 4

Once your application is complete, you’ll receive your funds while continuing to live in your home.

Your Equity Release Options

There are different types of Equity Release available in the UK.

Lifetime Mortgages

Lifetime Mortgages are the most common type of Equity Release and the primary solution offered by Fluent Money.

They allow you to borrow against your property’s value while retaining ownership of your home.

There are several types of Lifetime Mortgage available, including:

Drawdown Lifetime Mortgages

Access funds as and when you need them, rather than taking all the money upfront.

Lump Sum Lifetime Mortgages

Receive a single tax-free payment upfront.

Interest-Paying Lifetime Mortgages

Make optional or regular interest payments to help manage the overall balance.

Learn More About Lifetime Mortgages

Home Reversion Plans

Home Reversion Plans involve selling part or all of your property in exchange for a tax-free lump sum or regular payments, while retaining the right to continue living in your home.

Although they are one of the recognised forms of Equity Release, they are less commonly used than Lifetime Mortgages.

Fluent Money specialises in Lifetime Mortgages and can help you understand whether they’re likely to be a suitable option.

The loan is typically repaid when your property is sold, usually following death or a move into long-term care.

Flexible Ways To Borrow

Modern Lifetime Mortgages offer more flexibility than many people realise.

Depending on the lender and product, you may be able to:

  • Take all your money as a lump sum
  • Release money gradually through a drawdown facility
  • Make voluntary repayments towards the interest or capital
  • Reduce the impact of compound interest over time
  • Protect part of your property’s value for your beneficiaries through inheritance protection

Not every lender offers every feature, but we’ll help explain the options available to you.

Not Sure If Equity Release Is Right For You?

Equity Release isn’t the only later life lending solution available.

If you have a reliable retirement income and are comfortable making monthly payments, a Retirement Interest Only (RIO) Mortgage could be an alternative worth exploring.

Our advisers will take the time to understand your circumstances, explain the available options and help you compare the solutions that may suit your needs.

Speak to us

Why Do People Choose Equity Release?

Boost Retirement Income

Stay In The Home You Love

Help Family Members

Improve Your Home

Repay Existing Borrowing

Plan For Future Care Needs

How Much Equity Could You Release?

The amount you may be able to release depends on several factors, including:

  • Your age
  • The value of your property
  • The type of property you own
  • Individual lender criteria

Use our Equity Release Calculator for an estimate or speak with one of our advisers for personalised guidance.

Calculate How Much You Could Release

Why People Choose Fluent Money

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Specialist Later Life Lending Advice
Our advisers understand the different borrowing options available in later life, from Lifetime Mortgages and Retirement Interest Only Mortgages to Home Reversion Plans. We’ll help explain your options clearly, so you can make an informed decision.

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Access To A Wide Panel Of Lenders
We work with a broad panel of leading later life lenders, helping us find solutions that are tailored to your circumstances, goals and future plans.

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Solutions Tailored To Your Needs
Whether you’re looking to release equity, reduce monthly outgoings, support family members or refinance existing borrowing, we’ll help you explore the options that best suit your situation.

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Support From Start To Finish
From your first conversation through to completion, we’ll guide you through every stage of the process, keeping everything straightforward and helping you feel confident in your decisions.

FAQs

Equity Release allows eligible homeowners aged 55 and over to unlock money tied up in their property while continuing to live there.

The amount available depends on factors such as your age, property value and lender criteria.

Many modern Lifetime Mortgages allow voluntary or partial repayments, depending on the product and lender.

Many plans are portable, allowing you to move home in the future, subject to lender criteria.

Products from members of the Equity Release Council include a range of important consumer protections, including the No Negative Equity Guarantee.

Alternatives may include Retirement Interest Only Mortgages, downsizing or other later life lending solutions.

Let’s Explore Your Equity Release Options

Whether you’re just beginning your research or ready to explore your options, our specialist advisers can help you understand Equity Release and find a solution that’s right for you.

Get A Free Quote Today

Why Our Customers Recommend Fluent Money®

We’re one of the UK’s favourite finance brokers. Don’t believe us? See what our customers have to say:

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The Team were fantastic and very thorough

I had fantastic experience with Fluent Money. All of their employees were extremely helpful and efficient from the start throughout the whole process. One can’t compare it to a standard high street bank. I would highly recommend this company as they really care and make sure they choose the lender that suites their customer’s circumstances.

Sarka Ptackova
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Amazing Service

I approached fluent for some help for a consolidation loan. A few worries before calling but they were all soon put to rest. Matt initially helped me find the right deal and then Abby went on to seal the deal. Thanks to their knowledge and advice i am now a lot more comfortable and i cant thank them enough. Very quick turn around. I highly recommend Fluent. If you have money concerns it really is good to talk. Thank you.

Stephen Donkin
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I would 100% recommend them

Amazingly helpful they took care of everything taking out the stress of having to deal with it myself I would 100% recommend them first with James who helped me look for the best loan then Simon who took care of all the paperwork thanks guys

Sam Jones
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Excellent

Excellent! I have used this company for a second charge loan for consolidation of another loan and additional funds for a house renovation. George was brilliant, knowledgeable, proactive and efficient. Nothing was too much trouble. I would highly recommend this company!

 

Holly Mullis
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Securing my loan

Very clear information and great service

Russell Smith

Who We Work With

We work with leading second charge mortgage lenders across the market to match you with the right deal.

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Fluent Money

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