Equity Release

UK Equity Release Explained: How It Works in 2026

Equity release is a regulated UK product that lets homeowners aged 55 or over (or 60 or 65 for some plans) access capital from their main home without selling it. The two main routes are a lifetime mortgage and a home reversion plan. Both have significant long-term consequences for inheritance, ben

17 Jun 2026 · 11 min read

Equity Release Impact on Inheritance: What Heirs See

Equity release reduces the net inheritance from the home, sometimes substantially, because the loan and accrued interest (or the provider's reversion share) are settled before the residual passes to beneficiaries. The size of the reduction depends on the loan, the rate, the plan duration, and prope

16 Jun 2026 · 11 min read

UK Equity Release Costs and Fees: The Real Numbers

UK equity release carries upfront costs (adviser, valuation, legal, lender) and a long-term cost driven by interest roll-up on a lifetime mortgage or the price discount on a home reversion plan. Upfront costs typically run to several thousand pounds. The lifetime cost depends mainly on the loan siz

17 Jun 2026 · 10 min read

UK Equity Release Alternatives Explained

Equity release is one of several routes to access capital in later life. Alternatives include downsizing, a retirement interest-only mortgage, conventional remortgaging, unsecured borrowing, family loans, and accessing pension drawdown. Each has a different cost, flexibility, and inheritance profil

16 Jun 2026 · 10 min read