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Step into retirement mortgage-free and without monthly repayments.
FCA Authorised Award-winning, independent equity release advice for UK homeowners aged 55+. See how much tax-free cash you could release in under 60 seconds — no credit check, no obligation.
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Nearly 100,000 UK households unlocked equity from their homes last year. Here's how our customers are using theirs.
Our advisers have guided over 12,400 families through equity release. We'll walk you through every step — at your pace.
A friendly 15-minute chat by phone or video. No jargon, no pressure, no obligation.
Your dedicated adviser scans every plan from every UK provider to find your best match.
We present your options in plain English — including family members if you wish.
We manage the entire application. Typical completion within 6–8 weeks.
We’re one of the UK’s most-awarded equity release specialists. Every recommendation is tailored, every loan is Equity Release Council approved, and every customer is treated like family.
The process from start to finish was exceptional. Jan McLaughan explained everything so clearly and concisely I didn’t need to ask any further questions. I was kept informed of progress throughout by phone and email. This was a big decision for me and Jan was so kind and reassuring.
Spoke to justin about something i knew absolutly nothing about. he was superb. explained everything i needed to know in 2 phone calls. i would 100 per cent recomend this company and perticulaly justin.
I was helped by Justin he was very informative and answered all my questions he kept me informed all the way through the process nothing was an issue.
We were looking to get our mortgage application completed as soon as possible and Simon Naylor didn’t disappoint us. He kept us fully informed at each stage and provided us with excellent guidance and advice. I can highly recommend Access Equity Release.
Truly excellent service. My advisor, Dean Harrison, guided me every step of the way, keeping me updated & informed and always there for any queries. Sensed I could trust him. Successful outcome. Highly recommended.
Our experience has been 100% positive: Tricia Batchelor, who as our consultant, was professional and ‘easy to talk to’ The process was seamless due to her knowledge and guidance. I would highly recommend the company and especially Tricia’s as a consultant.
Recognition from the UK's most respected finance bodies — because your trust deserves nothing less.
Mortgage Strategy — Winner
Equity Release Broker — Winner
Equity Release Broker — Finalist
Equity Release Broker — Finalist
Equity Release Firm — Winner
Equity Release Broker — Winner
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Our advisers meet clients across England, Scotland & Wales, with a growing network covering whole of the UK.
London
Manchester
Surrey
Kent
Hampshire
Berkshire
Oxfordshire
Buckinghamshire
Hertfordshire
Essex
Sussex
Cambridgeshire
Bedfordshire
Dorset
Somerset
Wiltshire
Warwickshire
Leicestershire
Northamptonshire
Nottinghamshire
Worcestershire
Bristol
Bournemouth
Southampton
Winchester
Guildford
Cheltenham
Milton Keynes
Sheffield Equity release lets homeowners aged 55 and over access some of the tax-free cash tied up in their property without having to sell or move. The most common option is a lifetime mortgage, a loan secured against your home that is normally repaid, along with any interest, when the last homeowner dies or moves into long-term care.
With a lifetime mortgage, you remain the legal owner of your home and can continue living there for life, provided it remains your main residence and you meet the plan’s terms. You can also benefit from any future increase in its value. A home reversion plan works differently, as you sell all or part of your property to the provider while retaining the right to live there rent-free.
No. Lifetime mortgages do not require monthly repayments. You may choose to let the interest roll up, with the loan repaid when the last homeowner dies or moves into long-term care. Some plans allow voluntary payments towards the loan or interest, which can reduce the overall amount owed.
It can. The loan and any rolled-up interest are repaid from the sale of your home, so this will reduce the value of your estate. However, some plans allow you to protect, or ring-fence, part of your property’s value for inheritance. The No Negative Equity Guarantee means your family will not have to repay more than the property sells for, provided the plan conditions have been met.
Your initial consultation is free and without obligation. If you proceed with our recommendation, there is a £99 application fee and a £1,495 advice fee, both payable on completion. Other costs, such as lender, valuation and solicitor fees, may apply depending on the plan and provider.
The process usually takes around two months, although timing depends on your circumstances and the provider. It includes financial advice, the application, property valuation, legal work, identity and financial checks, and the lender’s offer. Once the valuation and legal checks are complete, your funds can be released.
