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.
Independent guidance for the over-55s Information, not advice. Reviewed by an FCA regulated adviser.
Later Life BorrowingTrusted later-life guidance
Established guidance, plainly explained

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.

See how much you could release How it works
FCA regulatedadviser reviewed
Equity Release Councilstandards explained
Independentnot a lender or adviser

A measured path, at your pace

No sign up, no phone number required, no cost to understand your options.
I
What is equity release?How a lifetime mortgage actually works, in plain English, with nothing glossed over.
 II
Is it right for you?An honest look at when releasing equity helps, and the situations where it simply does not.
 III
The real costs and risksCompound interest, the effect on your estate, and the no negative equity guarantee, set out fairly.

Just the figures and a plain explanation, then regulated advice if and when you want it.

Over-55s
Our sole focus, no one-size-fits-all
FCA
Reviewed by an FCA regulated adviser
Named
A named adviser stands behind every page
Honest
We show the parts that might put you off
Start here

Understand the decision, step by step

Three plain-English guides that cover what equity release is, whether it suits you, and what it really costs, before you speak to anyone.

What is equity release?

How a lifetime mortgage actually works, in plain English, with nothing glossed over.

Read the guide →

Is it right for you?

An honest look at when releasing equity helps, and the situations where it simply does not.

Read the guide →

The real costs and risks

Compound interest, the effect on your estate, and the no negative equity guarantee, set out fairly.

Read the guide →
My job is to inform, never to sell. Every page is here so that, by the time you speak to a regulated adviser, you already understand the questions worth asking.
RP
Richard Parker Equity release and later life lending adviser
  • Information, not adviceClear, sourced explanations. Regulated advice comes from an FCA authorised adviser.
  • Sourced from authorityWe draw on the FCA, the Equity Release Council and MoneyHelper, and cite our sources.
  • The full pictureOur calculators show the costs and the trade-offs, including the parts that might put you off.
More guidance

Guides and tools

Will I lose my home?What the no negative equity guarantee really means.Who equity release is not forThe circumstances where the answer should be no.Red flags to watchHow to spot a hard sell, and what good looks like.GlossaryEvery term explained in plain words.

Tools and data

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

Important information

Later Life Borrowing provides information, not financial advice, and is not a personal recommendation. Equity release usually means a lifetime mortgage, which reduces the value of your estate and may affect your entitlement to means-tested benefits. Always take regulated advice, and speak to your family and a solicitor, before making a decision.