Independent advice for your later-life lending options

From equity release to retirement mortgages and other options, we'll take time to understand your circumstances, explain your choices and help you decide what's right for you.

Get an equity release estimate Explore your options
Prefer to speak to someone? 0800 188 4812
  • Independent advice Options from across the market
  • Regulated advice From qualified advisers
  • Equity Release Council member Following industry standards
  • No obligation You're in control of your decision

Helping you make informed choices in later life

Different options. Different circumstances. Explore the information and services we provide to help you plan your next steps.

  • Equity release

    Understand how equity release works, the different choices available, and the costs and risks.

    Learn more

  • Retirement mortgages

    Explore mortgage options for later life, including different repayment approaches, and what they could mean for you.

    Learn more

  • Estate planning

    Find out about planning ahead and making arrangements for the people who matter to you.

    Learn more

  • Your other options

    From downsizing or using savings to speaking with your existing lender, explore other ways forward.

    Explore options

Advice that starts with you

Good advice means looking at the whole picture, not just the product you first had in mind.

  • Advice that looks at the bigger picture We'll consider your circumstances and different ways to meet your needs. This includes equity release, retirement mortgages and options that don't involve borrowing.
  • Your options, clearly explained We'll explore your circumstances, explain the benefits, costs and risks of your options, and recommend a suitable way forward based on your needs.
  • The right outcome for you If borrowing isn't suitable, we'll tell you. Sometimes the right answer is another solution or no change at all. There's no pressure to proceed.

Clear about our fees

Our advice is free unless you go ahead. If you do, our fixed £1,999 advice fee is payable only when your plan is set up.

Proud to be a member of the Equity Release Council

As a member of the Equity Release Council, we follow its standards for equity release advice, helping you understand your options, including the costs and risks.

Read the consumer charter (PDF) (opens in a new window)

What happens next?

We start with a conversation, not a product. Here's how we'll help you explore your choices.

  1. Tell us about you

    We'll listen to your circumstances, what's important to you and what you'd like to achieve.

  2. Explore your choices

    We'll help you understand relevant options, including alternatives to borrowing, and explain the benefits, costs and risks.

  3. Decide what's right for you

    Take the time you need to consider any recommendation. Sometimes the right next step is not to borrow or make a change at all.

Ready to explore your options?

Whether you're planning ahead, reviewing an existing mortgage or simply unsure of your next step, you can explore your choices or speak to us before making a decision.

Get an equity release estimate

See how much you could potentially release from your home. An estimate isn't a recommendation or an offer.

Get an estimate Or request our free guide

Explore your options

Understand the different ways to meet your needs in later life, including mortgages, equity release and alternatives to borrowing.

Explore your options

Prefer to speak to someone?

Freephone | Monday to Friday, 9am–5.30pm

0800 188 4812 Request a callback

Need extra support? We can help you communicate with us in a way that works for you. See how we can help .

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