Unlock the Value of Your Home with Equity Release
Access tax-free funds from your property without moving, giving you financial freedom for retirement, home improvements, or lifestyle needs.
We work with more than 120 mortgage lenders, including
Understanding Equity Release
A flexible way to release cash from your home while staying in it
Equity release allows homeowners, typically aged 55 and over, to access cash tied up in their property without moving. Common options include lifetime mortgages and home reversion plans. This funding can be used for retirement income, home improvements, debt consolidation, or supporting family, with repayments typically deferred until death or moving into long-term care.
Find the Right Equity Release Solution for You
Flexible options tailored to your retirement and financial needs
Lifetime Mortgages
Borrow a lump sum or regular income secured against your home while retaining ownership, with interest rolled up or partially paid during your lifetime.
Drawdown Lifetime Mortgages
Access funds gradually as needed rather than a lump sum, paying interest only on withdrawn amounts, offering flexibility and financial control in retirement.
Home Reversion Plans
Sell a portion of your property to a provider for a lump sum while retaining the right to live in the property rent-free until death or care.
Flexible Equity Release
Some plans allow partial repayments or drawdown options, providing maximum control over funds, interest, and repayment strategy according to personal needs.
Is Equity Release Right for You?
Ideal for homeowners aged 55+ looking to access property wealth
Equity release is designed for homeowners who wish to unlock cash tied up in their property, providing financial flexibility while remaining in their home.
- Homeowners aged 55 or older seeking tax-free funds without moving
- Those wanting to supplement retirement income or improve lifestyle
- Individuals looking to fund home renovations, travel, or major expenses
- Families needing support for children or grandchildren
- Homeowners wishing to consolidate debts in retirement
- Those who want to access funds gradually with drawdown plans
What Lenders Will Assess
Core factors for equity release approval
Age Requirement
Most plans require homeowners to be aged 55 or older, with minimum age thresholds depending on lender and product type.
Property Value and Condition
 Lenders assess market value, condition, and location, typically requiring standard construction, good repair, and freehold or long leasehold status.
Outstanding Mortgages
 Existing mortgage balances may need to be repaid or managed; lenders assess affordability and combined debt levels against property value.
Health and Life Expectancy
Some lifetime mortgage calculations consider life expectancy to determine lump sum and interest accrual; independent advice ensures suitability.
How Much Can I Borrow Calculator
Funds based on property value, age, and plan type
The amount you can release depends on property value, age, and chosen plan type. Older homeowners can typically access higher percentages of property value. Mortgage-Tek provides personalised calculations to ensure you access the right amount safely while preserving your home and future options.
Your Estimated Borrowing Amount
Expert Guidance for Equity Release
Trusted advice for safe, informed property wealth access
Mortgage-Tek specialises in equity release, helping homeowners understand options, select suitable plans, and access funds safely.
Our team guides you through lenders, product types, and long-term implications for a confident decision.
Specialist Lender Access
We work with a wide range of FCA-regulated equity release lenders, giving you access to competitive lifetime mortgage and home reversion plans tailored to your property.
Tailored Advice
We assess your financial situation, property value, and future goals to recommend the most suitable equity release plan for long-term comfort and security.
Drawdown Planning Expertise
We guide homeowners who prefer gradual fund access, ensuring interest accrues only on withdrawn amounts and providing flexibility throughout retirement.
Clear Cost Transparency
We explain all fees, interest rates, and long-term implications to help you make fully informed, confident decisions about your property wealth.
End-to-End Support
From initial enquiry to completion, we manage the process with lenders, ensuring timely, smooth access to funds and minimal stress for homeowners.
Regulated and Responsible Advice
All equity release solutions follow FCA regulations, protecting homeowners and ensuring ethical, transparent advice aligned with long-term financial wellbeing.
FAQs
Is equity release safe and regulated in the UK?
Yes. Equity release products are regulated by the Financial Conduct Authority (FCA). Most reputable plans follow Equity Release Council standards, including a no negative equity guarantee, meaning you will never owe more than your home’s value.
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Will I still own my home with equity release?
With lifetime mortgages, you retain full ownership of your property while borrowing against its value. With home reversion plans, you sell a portion of your home while keeping the right to live there rent-free for life.
Do I have to make monthly repayments?
Most equity release plans do not require monthly repayments. Interest is usually rolled up and added to the loan balance, repaid when the property is sold after death or moving into long-term care. Some flexible plans allow voluntary repayments.
How much can I typically release from my home?
Most homeowners can release between 20% and 60% of their property’s value, depending on age, property value, health factors, and product type. Older applicants usually qualify for higher percentages.
Will equity release affect my inheritance?
Yes. Since interest accrues over time, the amount owed increases, reducing the value of your estate. However, drawdown options and partial repayments can help manage how much is passed on to beneficiaries.
Can I move house after taking equity release?
Yes, most lifetime mortgages are portable, meaning you can transfer the loan to a new property if it meets lender criteria. This allows flexibility if your housing needs change later in life.
Does equity release affect state benefits or pensions?
It can. Releasing a large lump sum may impact means-tested benefits. That’s why professional advice is essential to structure withdrawals carefully and protect your long-term financial position.
Can I repay an equity release mortgage early?
Some plans allow early repayment, but early repayment charges may apply, especially in the first years. Modern products increasingly offer flexible repayment features to reduce interest and exit costs.