Welcome To

The Equity Release Company.

Established in 2015, The Equity Release Company are independent Equity Release specialists providing advice and recommendations from across the whole of market with access to all Equity Release providers and products. Authorised and regulated by Financial Conduct Authority (FCA), qualified and registered with the Chartered Insurance Institute (CII) and Equity Release Council (ERC).
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We only recommend plans meeting Equity Release Council's standards and guarantees.
Whole Of Market
We are independent and search the whole equity release market, providing a huge choice of plans to choose from.
Honest Recommendations
We offer a full advice and recommendation service ensuring that we take full responsibility for recommending the most suitable plan for you.
Regulated & Secure
We only recommend plans which are completely safe, protected by both the FCA (Financial Conduct Authority) and the Equity Release Council.
Fully Qualified Specialists
We offer a free initial equity release consultation with a fully qualified specialist adviser.
Impartial Advice
We are qualified to offer advice on both Lifetime Mortgages and Drawdown Lifetime Mortgages and are not tied to any one provider.
Tailored To You
You will receive a personalised illustration and report detailing our recommendations. You will never be obligated to proceed and you will not be charged any fees by us until an offer is made.
About Us

The Equity Release Company provide independent unbiased advice on all aspects of Equity Release.

As an independent equity release provider, we offer a full range of options by searching the entire market. Our goal is to provide you with the most suitable plan, and we take full responsibility for ensuring that we recommend only safe plans that are protected by the Financial Conduct Authority (FCA) and the Equity Release Council. We offer a free initial consultation with a fully qualified specialist adviser, and we are qualified to offer advice on both Lifetime Mortgages and Drawdown Lifetime Mortgages. Our advice is unbiased, as we are not tied to any one provider.

After the consultation, you will receive a personalised illustration and report detailing our recommendations. There is no obligation to proceed, and there are no fees charged until an offer is made. We handle all the work involved, from start to finish, including completing paperwork and applications, communicating with the provider and solicitors, and keeping you informed throughout the process.

Lifetime
Mortgages

A lifetime mortgage is a type of equity release for homeowners over 55 that allows them to access their home equity through a loan secured against their property, receiving either a lump sum or a regular income.

The choice of a cash lump sum or income with no monthly repayments
Retain full ownership of your home
Available to younger people (aged 55+)
No negative equity guarantee
Move the mortgage to a new property subject to your terms
Guarantee an inheritance for your family
Regulated by the Financial Conduct Authority
About Lifetime mortgages

Drawdown Lifetime Mortgages

A drawdown lifetime mortgage is a loan secured against a property, allowing homeowners over the age of 55  the flexibility to access funds as they require them as needed and pay interest only on the withdrawn amount.

Only charged interest on the amount of equity released
Release cash when it suits
Retain 100% legal  home ownership
May benefit younger lives
Interest canould accumulate slower than a regular lifetime mortgage
Guarantee an inheritance for your family
Regulated by the Financial Conduct Authority
About Drawdown mortgages
We work with

Industry Leaders

We have established partnerships with some of the most reputable and reliable providers in the industry, ensuring that our clients have access to the latest products and services.
Some of the lenders we work with
equilaw logo
pure retirement
ashfords
legal and general
gw legal logo
pcs logo
hodge
aviva
one family
just
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lv logo
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barton law logo
Real Reviews, From Real People

What Our Clients Think

Where do I start – Jane has to be the best mortgage advisor I’ve had a she couldn’t do enough for me. There was never a ‘no’ answer. As I have a bad credit rating I couldn’t use the bank so I found Jane and from the word go. She didn’t say no when others did. Yes, we had some hurdles but in the end we got a mortgage. I would use Jane again because if she can help she will. If you are reading this for advice I would definitely say yes, use her because she Is the best!
Edna Piper
Jane has an excellent grasp of the market position for mortgages and insurance and take the time to help you understand all of the options available to you. I always feel that she is doing the right thing for you as an individual and reflecting Your own needs. Communication is always important when dealing with customers and Jane is responsive courteous and patient – a pleasure to deal with.

Duncan
Simon has been the go-to person for me and my family for around 6 years now, to say he’s been reliable is an understatement, and he has always had our best intentions at heart when providing us financial solutions - I honestly don’t know where we’d be without him. I can whole heartedly recommend him and his teams services to anyone who is considering it.
Mr Grayson
I found Jane to be helpful from when we first met. She understood what was required and managed to source a suitable mortgage, whereby other advisers had not bee able to come up with any deals. Jane dealt with all issues quickly. This agave me confidence from start to finish. Would recommend her to others.
Hilary
We have used Simon for over seven years after a recommendation from a family member. His service is quick, efficient and personal. and I wouldn't hesitate to recommend him. In fact, I often do, and all the friends who have also used him through my referral, are also very satisfied and repeat customers.
Mrs and Mrs Stewart
I cannot recommend Simon and his team enough. They are knowledgeable, informative, extremely efficient and always happy to help with any query that I had - reassuring me and updating me regularly throughout the process. I wouldn’t feel as comfortable and confident with another broker.
Miss Whitham
I was absolutely lost by myself trying to work out the best mortgages available for me. Jane was incredible, she handled every detail from start to finish making my mortgage renewal as stress free as possible.
Kirsty Fitzgerald
I have used Simon and the team for many years now. They always work tirelessly to get the best possible mortgage deals for me. Extremely polite, courteous and friendly team. Highly recommended.
Ms Gothard
I cannot recommend Simon highly enough. He worked tirelessly to secure my mortgage and was friendly and professional throughout. Forever grateful for how much he helped me!
Jennifer Adams
The service that Simon provided was excellent, the solicitor and The Equity Release Company was first class.
We are very happy all round 10/10.


Mr and Mrs Reynolds
Thanks to Simon for his support and guidance in getting us our mortgage, from the start to finish he went above and beyond to ensure it went through smoothly.
Miss Holland
Thank you to Simon and staff at The Equity Release Company for helping us obtain our mortgage. Helpful and professional throughout, a really great service.
Mr and Mrs Jaggers
John assisted me in a bumpy ride during my equity release journey, he was very supportive and professional. He kept great communication with me all through the process. I couldn't of done it without him. I highly recommend him. Thank you again John.
Jenny
Good afternoon John, I would like to thank you for all the help you gave me while securing my lifetime mortgage. You conducted our dealings in a very professional, kind and caring way. Nothing was too much to ask. I would certainly recommend you to other people. Thank you once again.
Martin
I would like to say I was very impressed with the way you dealt with my query. Always keeping me updated on business, you were very professional I was happy that you were recommended to me.

Jean Cwmbran
Good morning John, I am very pleased with the manner in which the funds release was handled last year and look forward to similar service should I require additional funds in the future. Many thanks and best regards
George
Excellent customer service from start to finish. Simon made the entire process easy to understand and stress free. The "hands on" approach that he takes is above and beyond what you expect.
Mr and Mrs Sawyer
It is always an absolute pleasure dealing with Simon. Not only is he knowledgeable, thorough, efficient, approachable and professional but also trustworthy and genuine. I have been a customer of Simon’s for the last 6 years and wouldn’t go anywhere else. Highly recommended. Top notch service!
Jane Leeks
Good morning John. I thought I’d take this opportunity to thank you for your dedicated, Administrative Professional input, towards a successful Equity Release outcome. I appreciated you being the glue which held everything together, including ME!  I very much valued your informative, sensitive, tolerant, considerate and courteous approach. Your expertise made it easier for me to respond and navigate the process, by gently talking me through issues and queries. I hope you recover soon! 😁 I wish you continued success for the future. Kind regards Ros
Ros

Frequently Asked Questions

If you are unable to find the information you are looking for in our FAQ section, please feel free to send us a message and we will be happy to assist you.
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We're whole of market, allowing us to offer access to a full range of products and services.

You will usually qualify for an equity release scheme if:

  • You and your partner are aged between 55 and 95
  • You own a home which is worth at least £70,000
  • You have owned your home for longer than 6 months

This depends on your age, health, property value and the type of equity release scheme. A typical lifetime mortgage will allow you to raise between 25% and 57% of the property value however the percentage will be restricted by the youngest applicant or enhanced by specific health conditions. The older you are when you take out any plan, the more you will receive.

Yes, however your new property will need to be approved by the plan provider and they will have their own set of terms to be met.

Releasing cash from your home could affect your entitlement to state benefits. Means tested benefits such as Pension Credit and Universal Credit entitlement may be reassessed. Capital held in savings or an increased income could affect these benefits. We will notify you if releasing capital from your home is likely to affect any state benefits that you receive.

If the value of your home should fall you would be protected by a ‘no negative equity’ guarantee which ensures that you would never owe more than the value of your home. If house prices rise you would benefit unless you had transferred 100% of your property under a home reversion plan.

Free, No-obligation advice

Unlock your home's equity today

Whether you're looking to make home improvements, pay off debt, or simply enjoy your retirement to the fullest, equity release can help. Our team are here to guide you through the process and help you make the best decisions for your unique situation. Fill out our form today to get started.
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