mortgages

Equity Release

Unlock the value in your home. with confidence, for life.

What Is Equity Release?

Equity release is a way for homeowners aged 55 and over to unlock the value tied up in their property without having to move. It allows you to access tax-free cash, either as a lump sum or in smaller amounts over time, while continuing to live in your home.

Whether you're looking to boost your retirement income, help family members, clear existing debts, or simply enjoy life a little more, equity release could provide a flexible financial solution.

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Is Equity Release Right for You?

Equity release isn’t the right fit for everyone. That’s why it’s important to speak with a qualified advisor who can help you explore all your options including alternatives and ensure the decision supports your long-term goals and circumstances.

We’re here to offer expert, impartial advice and guide you every step of the way.

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How Does It Work?

Equity release typically comes in two forms:

  • Lifetime Mortgage – You borrow against the value of your home while still retaining full ownership. Interest is usually rolled up and repaid when you pass away or move into long-term care.

  • Home Reversion Plan – You sell part or all of your home to a provider in exchange for a tax-free lump sum or regular payments, while continuing to live in it rent-free.

Both options are regulated by the Financial Conduct Authority (FCA) and come with strong consumer protections.

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This is a lifetime mortgage. To understand the features and risks, please ask for a personalised illustration. Check that this mortgage will meet your needs if you want to move or sell your home or you want your family to inherit it. If you are in any doubt, seek independent advice.

Baker Hill Associates Ltd are not authorised to provide advice on Equity Release; this will be referred to a third party.

Thinking of Equity Release?

Speak with one of our experienced mortgage advisors today for clear, trusted guidance.