UK equity release 2026 — lifetime mortgages, RIO, drawdown vs lump sum, inheritance protection. Sourced from FCA, Equity Release Council, gov.uk.
LAST REVIEWED: 27 JUNE 2026
Equity release rates and key figures -- June 2026
Equity release reduces the value of your estate and may affect means-tested benefits. Independent legal advice is required before proceeding. The Equity Release Council sets standards for member providers. Rates correct at June 2026 -- verify directly with providers.
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KAELTRIPTON · MASTER HUB UK Equity Release: The Complete 2026 GuideEverything UK homeowners aged 55+ need on equity release in 2026 — lifetime mortgages, RIO, drawdown decisions and inheritance protection. Sourced from FCA and Equity Release Council primary materials. | ||||||||||||
| 6 pillars · Last updated 30 April 2026 · Sourced from gov.uk, HMRC, FCA | ||||||||||||
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Everything UK homeowners aged 55+ need on equity release in 2026 — lifetime mortgages, RIO, drawdown decisions and inheritance protection. Sourced from FCA and Equity Release Council primary materials. | ||||||||||||
Explore the 6 pillars
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IMPORTANT Equity release is a regulated financial product with significant long-term consequences. Always seek advice from an FCA-authorised equity release adviser. This is for information only. | ||||||||||||
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EXPLORE OTHER HUBS UK Mortgages UK Equity Release UK IHT & Probate |
Property & Landlords
Standard equity release requires you to be 55. But since late 2025, Payment Term Lifetime Mortgages have opened the market to borrowers from age 50. This 2026 guide explains how they work, who qualifies, and whether they are right for you.
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Choosing between equity release and remortgaging to release equity depends on your age, income, and how much the monthly payment matters. This 2026 guide compares all the options with real figures so you can make an informed decision.
Property & Landlords
Martin Lewis and MoneySavingExpert have shared clear guidance on equity release. This guide covers what MSE says about lifetime mortgages in 2026, the key warnings Martin Lewis has highlighted, and how to approach equity release safely.
Property & Landlords
Key (formerly Key Retirement) is one of the UK's largest equity release specialists, operating as both an adviser and a lender. This 2026 guide covers Key's products, rates, reviews, and how it compares to the wider market.
Property & Landlords
Home reversion is the second regulated equity release product type in the UK. This pillar guide covers how home reversion plans work, the key differences from lifetime mortgages, who they suit, FCA rules, and the limited provider landscape in 2026.
Property & Landlords
Nationwide Building Society does not currently offer equity release lifetime mortgages. This guide explains what Nationwide does offer for older borrowers, and how to find the right equity release alternative for your circumstances.
Property & Landlords
Estimate how much equity you could release from your UK property in 2026. Our guide explains how equity release calculators work, what factors affect the amount, and what to do next.
Mortgages
Aviva is one of the UK's largest equity release lenders. This 2026 guide covers Aviva's lifetime mortgage range, current rates, minimum age, eligibility criteria, and how to compare Aviva against the wider market.
Property & Landlords
A complete 2026 guide covering how equity release works, which product fits your situation, how much you can release, costs to expect, and the FCA rules that protect you throughout.
Property & Landlords
All equity release advisers must hold FCA-recognised qualifications and be authorised to give regulated advice. This guide covers what to look for, how adviser fees work in 2026, and the right questions to ask.
Listicle
The best equity release rate is not simply the lowest MER - it depends on your age, property, health status, and need. This branch guide compares leading UK providers in 2026.
Mortgages
Legal & General is one of the UK's largest lifetime mortgage providers. This guide covers their 2026 plan range, current MER rates, eligibility criteria, and what ERC membership means.
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When it makes sense, when it doesn't, regulated alternatives.
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Decision frameworks, costs, regional house-price implications.
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Protected equity, ring-fenced amounts, IHT interaction.
Mortgages
A retirement interest-only mortgage lets you pay just the monthly interest on your loan, with the capital repaid when you die or move into care. This pillar guide covers RIO in 2026.
Property & Landlords
A lifetime mortgage lets homeowners aged 55 and over release equity from their property as a lump sum or drawdown without monthly repayments. Here is how they work, current rates, and the key risks to understand.
Mortgages
Equity release lifetime mortgage rates start from around 6.30% MER in April 2026. How compound interest works, what ERC Standards 2.0 protects, and what to weigh up.
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