How much do I get for my home share?

Typically 20-60% of the market value of the share you sell, depending on your age and property value.

Can I sell just part of my home?

Yes, you can sell any percentage from 20% to 100%.

Is home reversion better than a lifetime mortgage?

Neither is universally better. Home reversion avoids interest but you receive less upfront. We'll compare both.

What happens when I die?

The property is sold and proceeds split according to ownership shares.

Home Reversion Plans

Home reversion lets you sell a share of your home while continuing to live in it rent-free. We explain how it works and whether it's right for you.

Home Reversion Plans Explained

A home reversion plan involves selling all or part of your home to a reversion company in exchange for a tax-free lump sum or regular payments. You retain the right to live in the property rent-free for life.

No loan and no interest accumulation
Right to live rent-free for life
Known share of property retained for inheritance
Tax-free lump sum or regular payments
free initial advice impartial advice

Step 3 of 5

Tell us about the property

Estimates are fine — we'll refine the numbers together.

Property Value (£) *

Deposit Amount (£)

Your home may be repossessed if you do not keep up repayments on your mortgage.

How Home Reversion Works

You sell a percentage of your home (typically 20-100%) to a reversion company at below market value (usually 20-60% of the share's true value). In return, you receive a lump sum and retain the right to live rent-free for life.

Below Market Value

The discount reflects the company's cost of waiting — they may not receive their share for 20-30+ years. A 50% share of a £300,000 home might be purchased for £60,000-£90,000.

Inheritance Implications

The percentage you retain is guaranteed for your beneficiaries — regardless of property value changes.

Who Is It For?

Home reversion suits people who want no debt on their property, want certainty about inheritance, are older (better terms at 70+), and are comfortable selling below market value.

Home Reversion Plans — FAQs

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Get Free Expert Advice

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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