Can I lose my home with equity release?

No — the no negative equity guarantee and right to remain mean you can stay in your home for life.

Will my family inherit anything?

Possibly — if the property value exceeds the loan plus interest, the difference goes to your estate.

Does equity release affect my benefits?

It can — released cash may count as capital for means-tested benefits. We'll assess the impact before recommending.

Is equity release regulated?

Yes, by the FCA. Equity Release Council membership adds additional protections.

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

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.

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.