What happens when one partner dies?

The surviving partner continues living in the home. The plan only becomes repayable when the last surviving partner dies, moves into care, or sells.

Do both partners need to be over 55?

Yes, both applicants must be at least 55. The amount available is based on the younger partner's age.

Can we still move house?

Yes, most equity release plans are portable — you can transfer to a new property subject to lender criteria.

Is equity release safe for couples?

Yes, all Equity Release Council plans include a no negative equity guarantee and survivor protection.

Joint Equity Release

Joint equity release lets couples release tax-free cash from their home together, with built-in survivor protection.

Joint Equity Release Explained

Joint equity release allows both homeowners to be named on the plan, with the loan only repayable when the last surviving borrower dies, moves into care, or sells the property. This provides crucial protection — the surviving partner can continue living in the home indefinitely.

Both partners protected — no forced sale on first death
Combined property value maximises release amount
Inheritance protection options available
Negative equity guarantee included
free initial equity release advice

Step 3 of 5

Tell us about the property

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Property Value (£) *

Deposit Amount (£)

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

How Joint Plans Work

Both partners are named on the equity release plan. The loan, plus rolled-up interest, is only repaid when the last surviving partner dies, moves into permanent care, or sells the home.

How Much Can You Release?

The amount depends on the younger partner's age, your property value, and any existing mortgage. Couples aged 65+ can typically release 20-50% of their property value.

Inheritance Protection

Many plans let you ring-fence a percentage of your property's value for beneficiaries, guaranteeing your family receives something regardless of interest accumulation.