Equity Release in Scotland
Equity release works in Scotland but with some legal differences. We explain the Scottish process and find the best plans available.
Equity Release in Scotland
Equity release is available in Scotland, but the legal process differs due to Scotland's distinct property law system. Scottish properties use standard securities rather than legal charges. All major providers operate in Scotland.
- All major providers available in Scotland
- Scottish legal process expertise
- Standard security vs legal charge explained
- Same rates and products as rest of UK
- free initial advice Scottish equity release advice
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Estimates are fine — we'll refine the numbers together.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Scottish Legal Differences
In Scotland, equity release uses a 'standard security' rather than a 'legal charge'. The conveyancing follows Scottish law with different documentation. You'll need a Scottish solicitor.
Scottish Property Valuation
Properties are valued using the same RICS standards. Scotland's market can differ significantly from England, particularly in rural areas.
Availability
All major providers (Aviva, Legal & General, Canada Life, etc.) operate in Scotland with identical products, rates, and features.
Scottish Solicitors
You'll need a solicitor admitted to practise in Scotland. Many equity release solicitor panels include Scottish firms.
Equity Release in Scotland — FAQs
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Your initial mortgage consultation is free with no obligation. If you decide to proceed with an application, a broker fee may apply depending on the complexity of your case — typically £199–£299, capped at 1% of the loan amount or £650 (whichever is lower). The exact amount is explained and agreed in writing before any chargeable work begins. Lenders may also pay us a procuration fee on completion.
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