Equity Release

Unlock the value in your home with expert equity release advice

Equity release allows homeowners to make the most of the wealth tied up in their property without selling or moving out. Whether you’re looking to supplement your retirement income, fund home improvements, or support your loved ones, we’ll help you find the best solution.

With years of expertise and access to a wide range of lenders, our specialists will guide you through the process, ensuring you make informed decisions that align with your financial goals.

From lifetime mortgages to flexible drawdown plans, we’ll tailor a solution to suit your needs – helping you enjoy your financial freedom while staying in the home you love.

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Release tax-free cash from your home

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Choose from a range of market-leading providers

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Stay in your home while accessing funds

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Get expert guidance every step of the way

Making equity release simple

Equity release can feel complex, but we’re here to make it clear and straightforward. Below, we answer some of the most common questions to help you understand how it works and whether it’s right for you.

What is equity release, and how does it work?

Equity release allows homeowners aged 55 or over to access cash from their home without having to move. The most common option, a lifetime mortgage, enables you to borrow against your home’s value, with repayment typically made when you pass away or move into long-term care.

How much equity can I release?

The amount depends on your age, property value, and the lender’s criteria. Generally, the older you are, the higher the percentage you can release.

What can I use the funds for?

You can use equity release for any purpose – whether that’s boosting your retirement income, funding home improvements, helping family members, or repaying existing debts.

Do I have to make monthly repayments?

Most equity release plans do not require monthly repayments. The loan is typically repaid when your home is sold in the future. However, some plans allow voluntary repayments to manage interest costs.

Will I still own my home?

Yes. With a lifetime mortgage, you retain full ownership of your home while accessing the funds you need.

How does equity release affect inheritance?

Releasing equity will reduce the value of your estate, impacting the amount left for beneficiaries. Some plans offer inheritance protection to safeguard a portion of your home’s value.

Are there any risks to consider?

Equity release can impact inheritance, benefits, and the total amount owed due to interest accumulation. Seeking professional advice ensures you fully understand the implications.

Your home may be at risk if you do not meet the terms of your equity release plan.

Stuart Gulvin

Stuart Gulvin

Mortgage & Equity Release Consultant

Having been a banker at two prestigious private banks for many years, I’ve been a mortgage adviser for the last 10 years concentrating mainly on residential and buy to let mortgages. Joining Capital B has enabled me to further my career by becoming qualified to provide Equity Release advice as well as providing advice around specialist types of finance, such as bridging, development and commercial lending.

Huw Oddy

Huw Oddy

Property Finance Specialist

I have been in the Property Finance Industry for over 20 years and have covered all aspects of Property Related Finance covering Bridging, Development Finance, Commercial Mortgages, Residential Mortgages and Later Life lending products. This has given me a good insight as to what is required to ensure the client receives the best service and advice from the process.

Chris Borwick

Chris Borwick

Director

I co-founded a specialist finance team at SPF Private Clients, dedicating 12 successful years to helping clients achieve their property finance goals.

Jack Sharp

Jack Sharp

Specialist Mortgage Broker

I’ve built my career on providing innovative and effective strategies for developers, investors, and businesses.

Aakash Nagrani

Aakash Nagrani

Property Finance Specialist

With years of experience, my goal is to make property finance simple and stress-free. My focus is on ensuring every deal runs smoothly from enquiry to completion.

Macie Walters

Macie Walters

Case Manager

I’m here to keep your property finance journey on track! I’m passionate about helping clients complete their deals quickly and exceeding their expectations.

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Equity Release

Equity Release

Unlock property wealth in retirement with specialist equity release solutions designed to enhance your financial flexibility.

Mortgages for Older Borrowers

Residential Mortgages For Older Borrowers

Specialist mortgage solutions for over 55s, offering flexible terms and competitive rates tailored to later-life.

Tax-free cash from your home

Considering equity release? Our experienced advisors will help you explore the best options, ensuring you access the right solution for your financial future.

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