Equity Release Mortgages – Are they right for me?


This is an inherently complicated question that I will attempt to simplify. Complicated for two reasons. One, equity release is an umbrella term for a range of equity release mortgages. Two, everyone’s personal situation is different so answering this in the general is an impossible task.

To break it down into good advice:

First, try and understand your needs. Equity release is a great means of retirement planning. It helps to supplement your income at a time when money is both needed and well received. 

If you could use some extra cash to help make your retirement more enjoyable for both you and your family, then the chances are equity release or home reversion is definitely for you.

If equity release is right for you, then the rest is simple. Talk to a provider (like us) and they will go through the range of equity release mortgages and help you understand which one is right for you.

Responsible Equity Release is a trading style of Responsible Life Limited. Responsible Life Limited is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register (https://register.fca.org.uk/) under reference 610205. Only if you choose to proceed and your case completes will Responsible Life Limited charge an advice fee, currently not exceeding £1,490. A lifetime mortgage may affect the value of your estate and your entitlement to means-tested state benefits. Our adviser will talk you through this and the setting up costs before you make any decision to proceed.

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