Which option suits me?
Six quick questions about your age, your home, how much you need, how fast, and whether monthly payments are realistic. You get a straight answer: the option that fits, the ones worth a look, and the ones to rule out.
Which way of releasing equity suits me?
Six questions. Nothing is sent anywhere until you ask for the guides or an adviser.
How old is the youngest person who owns the home?
Is there a mortgage on the home now?
Roughly how much do you need?
Include any mortgage you would need to clear, if you would be replacing it.
How quickly do you need it?
Could you comfortably make a monthly payment for years to come?
How much does leaving the home's value to family matter?
Your best fit
Also worth a look
Probably not for you
On their way.
Check your inbox (and the junk folder, just in case) for an email with all six links. Or open them right here:
- All the Options on One PageSix ways to release equity, side by side: speed, age, cost, who it suits
- Is Equity Release Right for Me?A one-page self-check before you talk to anyone
- How Much Could I Release?The age table, the sums, and what you would actually receive
- The Fast Track, Step by StepFrom first call to money in the bank, with what speeds it up
- Questions to Ask Your AdviserTwenty questions, with the answers you want to hear
- Family, Inheritance and GiftingTelling the family, protecting an inheritance, gifting a deposit
How the answer is worked out
The questionnaire uses the same rules of thumb an adviser uses in the first five minutes:
- Under 55 rules out a lifetime mortgage and home reversion, so it is a remortgage, a further advance, a secured loan, bridging or selling.
- Can afford monthly payments points to the cheaper, affordability-tested options first, whatever your age.
- Cannot, or would rather not points to a lifetime mortgage (55+), which needs no payments at all.
- Needs it in days is bridging territory, and only if there is a clear way to repay.
- A large mortgage already eats into what a lifetime mortgage can release, because it has to be cleared first.
- Inheritance matters a great deal nudges towards options where the debt does not grow, or a plan with inheritance protection.
It is a starting point, not advice. An adviser will look at your actual figures, your health, your property and every lender, and may well land somewhere different for a good reason.
Whatever the result says, the All the Options PDF is worth printing. It has all seven options on one sheet, so you can see the choice in front of you when you talk to the family or the adviser.
Ready to talk to someone who can actually do it?
We introduce you to a qualified, FCA-authorised equity release adviser who will look at every option, tell you how much you could release and how fast, and never charge you for the first conversation. No obligation.