Release equity in your home

Whether you want to supplement retirement income, renovate your home, help family financially, or simply enjoy greater flexibility later in life, The Home Partnership offers clear, personalised advice to help you understand your options and make informed decisions with confidence.

Speak with an adviser

Helping Over 55s Unlock Their Home’s Value

What Is Equity Release?

Equity release lets you access a portion of the value in your home while remaining the legal owner. The most common form is a lifetime mortgage, which allows you to borrow against your property and repay the loan (plus interest) when you pass away or move into long-term care.

Unlike traditional mortgages, there are usually no monthly repayments unless you choose a product that allows you to pay some or all of the interest. This can help reduce the impact on your estate and give you more control over how the loan grows.

At The Home Partnership, we explain how equity release works in straightforward terms, helping you weigh the benefits and potential implications for your finances, inheritance, and future plans.

Reasons People Consider Equity Release

Many clients use equity release to boost their retirement income, cover rising living costs, or provide a financial cushion for later life. Others choose it to fund home improvements, make their property more accessible, or repay existing debts.

Equity release can also be a way to support family members, for example, helping children or grandchildren onto the property ladder, funding education, or providing early inheritance.

Whatever your goals, we take the time to understand your circumstances and explore whether equity release is the right solution, or if alternative options may be more suitable.

Ensuring Equity Release Is Right for You

Equity release is a long-term financial commitment, so it’s important to consider all available choices. We assess your current financial situation, benefits entitlement, and estate planning aims to ensure the solution recommended genuinely supports your future needs.

We explain features such as no-negative-equity guarantees, the impact on inheritance, the effect on means-tested benefits, and flexibility options like voluntary repayments or drawdown facilities.

Our advice is tailored, thorough and transparent, giving you the clarity you need to move forward confidently and responsibly.

How We Support You Through the Process

From the initial conversation through to receiving your funds, we guide you every step of the way. We compare suitable lifetime mortgage products, explain their differences clearly, and help you choose a lender that aligns with your goals and comfort level.

We also work alongside solicitors, valuers and lenders to ensure your application progresses smoothly. Throughout the journey, you’ll have a dedicated adviser who’s available to answer questions and provide support whenever you need it.

Your peace of mind is our priority, ensuring you feel fully informed and comfortable with every decision you make.

Book an appointment with

One of our Mortgage team will be in touch shortly.

Please enter your name.
Please enter a valid email.
Please enter your phone number.
What area of advice are you after?

You must be 18 years or older to register for our property matching service through this website ("Service"). From time to time we will send you information about properties that we feel may be of interest to you and/or provide you with information about our valuation services.

If you would like to receive information from us, please indicate this by selecting the appropriate box(es) below:

Our Privacy Policy and Notice describes how we use your data, who we might share it with and what rights you have.

FAQs

Yes. With a lifetime mortgage, the most common type of equity release, you remain the legal owner of your property and can continue living in it for as long as you choose.

No, unless you choose a product that allows or requires them. Most plans allow interest to roll up, with repayment made when the property is sold after you pass away or move into long-term care.

Taking equity release will usually reduce the value of your estate. However, many plans offer inheritance protection features to ring-fence a portion for beneficiaries.

Typically 6–10 weeks, depending on valuations, legal work and lender processing times. We manage communication throughout to keep the process as smooth as possible.

When arranged through advisers who are qualified and regulated, and when products include safeguards such as a no-negative-equity guarantee, equity release can be a secure and transparent option. We only recommend products from reputable, regulated lenders.

Most products are available to homeowners aged 55 or over with a UK property of suitable value and condition. The amount you can release depends on your age, property value and health.

As a Lifetime mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments

HOME Mortgages is a trading name of The Home Partnership Limited which is authorised and regulated by the financial conduct authority. The Financial conduct authority does not regulate commercial buy to let mortgages. As a mortgage is secured against your property, it may be repossessed if you do not keep up repayments on your mortgage. Where you have a complaint or dispute with us and we are unable to resolve this to your satisfaction then we are obliged to offer you the Financial Ombudsman Service to help resolve this. Please click here for further details.

Company registered address Henry Brake House, South Woodham Ferrers, Essex CM3 5NG. FCA number 616505. Company number is 05355751.

Follow us on Social Media

Stay up-to-date with new properties in your area.

instagram logo @thehomepartners
facebook logo @HomePartnership
Reviews Value My Home