Is equity release safe?

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Is Equity Release Safe?

Equity release has come a long way since the plans of the 80s and 90s which were relatively unsafe. As an industry, it is now regulated by the Financial Conduct Authority which ensures the safety of the plans on offer. Also, there is a governing body called the Equity Release Council which sets out must-have features that provide an extra safety net.

Responsible Equity Release are under the regulatory authority of the Financial Conduct and only advise on plans that adhere to the strict Equity Release Council guidelines. This way you know that equity release is safe and looks after your long-term interests.

The particular guarantees that make equity release safe are:

  • No Negative Equity Guarantee – You will never owe more than the value of your home
  • The right to move property – You can move the plan to a suitable property should you want to move at a later date
  • The right to independent legal advice – The lenders will not make you use their solicitors on in-house legal team
  • The right to clear fair presentation of the plans –
  • Advice from an adviser with equity release qualifications

Of course, it is important to get financial advice when determining whether it is a good idea or not, based on your personal circumstances.

Use our free online calculator to find out how much you could release today and receive a free guide: http://www.responsibleequityrelease.co.uk/equity-release-calculator/ 

Could equity release help you? Call us now and speak to a dedicated account manager who will give you all the information you need.

0800 652 2955


A Lifetime Mortgage may reduce the value of your estate and affect your entitlement to means tested state benefits. To understand the features and risks, ask for a personalised illustration. Responsible Equity Release is a trading style of Responsible Life Limited. Only if your case completes will Responsible Life Limited charge an advice fee, currently £1,295.

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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