Is Equity Release Safe?
Equity release has strong consumer protections — but it's not right for everyone. We give impartial advice on the risks and safeguards.
Is Equity Release Safe?
Modern equity release is heavily regulated and includes important consumer protections. All Equity Release Council plans include a no negative equity guarantee and the right to remain in your home for life.
- No negative equity guarantee on all ERC-member plans
- Right to remain in your home for life
- FCA-regulated advice process
- Impartial analysis of risks and alternatives
- free initial advice, no-pressure guidance
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Your home may be repossessed if you do not keep up repayments on your mortgage.
Consumer Protections
ERC members must offer: no negative equity guarantee, the right to remain for life, freedom to move to another suitable property, and access to independent legal advice.
The Risks
Key risks include compound interest increasing the debt, reduced inheritance, potential impact on means-tested benefits, and limited ability to move to certain property types.
Regulation
Equity release advice is FCA-regulated. Advisers must be qualified, follow strict rules, and provide a personalised recommendation. Independent legal advice is also required.
Alternatives to Consider
Before choosing equity release, consider downsizing, retirement interest-only mortgages, remortgaging, local authority grants, or pension income.
Is Equity Release Safe? — 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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