In development This website is in development and is not yet live. The content is illustrative and is still being finalised and reviewed. It is general information only, not financial advice and not a financial promotion.
LLB Later Life Borrowing

Equity release and later life lending

Understand equity release before anyone tries to sell it to you.

Most equity release websites want to book you a call. This one wants you to understand the decision first: how a lifetime mortgage works, what it really costs over time, what it means for your family, and when it is simply not the right answer. Reviewed by a qualified, FCA regulated adviser.

See how much you could release

No sign up. No phone number required. Just the figures and a plain explanation.

Start here

What is equity release? How a lifetime mortgage actually works, in plain English. Is equity release a good idea? An honest look at when it helps and when it does not. Pros and cons The benefits and the trade offs, set out fairly. Will I lose my home? What the no negative equity guarantee really means.

Tools and data

How much could I release? See an indicative figure based on your age and property value. Equity release rates vs gilt yields Why rates move, tracked against government bond yields.

Why trust this site

Equity release is a lifelong decision in a part of finance where many people feel confused or rushed. We do the opposite of a sales funnel. Every page is written and reviewed by Richard Parker, an FCA regulated later life lending adviser, and our calculators are built to show you the full picture, including the parts that might put you off.