Considering equity release?

What you need to know to feel safe and reassured.

Assuming you're familiar with equity release (now referred to as Later Life Lending), let's discuss how you can feel reassured when speaking to an adviser.

Something to keep in mind...

When seeking professional advice, make sure it's from some who is on the Equity Release Council and registered with the FCA (more about this later.)

3 must-ask questions for your adviser...

Why it's important to find this out...

Free Consultation

An initial consultation can either be in-person or on call, depending on the adviser's location and willingness to travel.

The purpose of this is to:

Remember you should never feel pressured into making a decision during the initial consultation.

Prior to booking any appointment, it's worth clarifying whether the adviser offers this for free.

Charging a Fee

Should you proceed to with your chosen adviser, it's important to understand the fees you'll incur.

You'll adviser will explain these in more detail, but if at any point you feel uncomfortable, you always have the right to stop proceeding at this stage.

Typically advisers will only charge upon completion of your equity release. This can be referred to as an advice fee.

Deals From All Lenders

Some advisers are classed as independent. An independent adviser will be able to source you more offers than an adviser tied to a particular lender.

Finding such an adviser means you could benefit from more competitive rates and flexible terms.

Independent equity release advisers have no bias towards any lenders.

We’ve created a checklist of 3 principles to reassure you through the equity release process...

Our 3 Safe Later Life Lending Principles

An experienced and trusted adviser will make the process simple, and will work with your best interest at heart. Look out for positive reviews from their previous clients. This will tell you how reputable they are. A trusted adviser will give you peace of mind and help you feel comfortable in your decisions.

Honest advisers will remain transparent throughout the entire process, so there are no-surprises along the way. Reassurance from your adviser will help you gain full clarity and control, so you can safely manage any expenses involved. With their guidance, you’ll be able to navigate the process with complete confidence, knowing exactly where every penny is going.

Later life lending advisers should follow all rules set by the Equity Release Council (ERC). Although it’s not compulsory for advisers, they can become members of the ERC. As a member, they commit to the ERC’s code of conduct to protect customers and give fair advice. Picking an adviser who’s also a member means, they’ll comply with regulations, helping to alleviate any of your worries.

Connect To An Expert Today!

Speak to an adviser who follows our “Safe Later Life Lending” principles and considers your specific circumstances.

We will hand-match you to a trusted, transparent and compliant adviser.

It’s completely FREE!

Frequently Asked Questions

Do I need to speak to an adviser?

Before applying for any equity release plan, you first need to seek advice from a qualified equity release adviser. This is a requirement of the Financial Conduct Authority (FCA).

Can I get equity release advice from anyone?

Most general financial advisers can’t advise on equity release. An adviser must be qualified to do so.

A qualified advisor is able to compare equity release deals from across the market. This is to ensure you get the best advice and are recommended products tailored to your situation.

Remember, you should always consider seeking advice from an adviser who is also a member of the Equity Release Council.

Do your advisers offer a free consultation?

Yes, all of the advisers in the network have been hand selected and offer a free consultation.

Can I compare equity release plans?

Yes, your adviser will be able to compare plans and discuss ones specific to your situation during your consultation.

People like you say...

Very Professional

Daniel has been the consummate professional throughout, keeping me updated and answering questions immediately

Cannot recommend enough

Professionalism was first class, he explained every detail very clearly, especially the advantages and disadvantages.

Thoroughly engaging person

His knowledge of the equity release market is vast and proved to be such an asset. A total professional whose aim is to get the deal that suits his client best.

Would you like more information?

If this has helped you... you’ll definitely like our new guide!


The simple breakdown of equity release and how to stay protected

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How matching with an adviser works

1. Answer a few questions

Share some details, it takes 30 seconds, so we can find can find the perfect adviser near you for your situation

2. Match with an adviser

We will handpick and match you with the best adviser in your area (we don't use algorithms.) We only work with FCA regulated advisers.

3. Get your free consultation

Your adviser will reach out to schedule your free consultation. You’ll get your questions answered and see if equity release is right for you, with no obligation to continue.