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Already have a plan?

If you've already taken out equity release, Age Partnership can review your existing plan to make sure you're getting the best deal and that it's still right for your individual circumstances. The Age Partnership team keep a close eye on the latest products added to the market, and lenders’ changing deals, and can help you make the most of any improved plans.

The range of equity release plans available is always changing, and the latest product improvements could better suit your needs or be more competitive than your current plan.

  • Find out if you could release more tax-free cash.
  • Make sure your plan is still right for you.
  • Ensure you are still getting the best deal.
  • Find out if you could benefit from a lower rate.

Your equity may have increased

Your equity may have increased, in which case it may be possible, and beneficial, to release a larger amount. Even in retirement, our financial situations can change quickly and dramatically, and reacting to these changes can lead to great savings.

With UK house prices on the rise, there is also the potential to unlock additional funds if you need them. Routinely checking the value of your property could have significant benefits.

What's more, we have seen a number of lenders dropping their interest rates in recent years, which could save you hundreds or thousands of pounds in interest over the lifetime of your plan. It is possible to switch your plan mid-term, helping you benefit from lower rates and improved schemes.


Important things to consider

Additional fees and early repayment charges on your existing plan will also need to be taken into account if you wish to switch plans. In our recommendation to you, we will take all these costs into consideration to make sure swapping to another plan is right for you. Our dedicated team will guide you through the process and effects of switching equity release plans, in an easy-to-understand and no-pressure environment.

Equity release may involve a lifetime mortgage or home reversion plan. To understand the features and risks, ask for a personalised illustration.

You only continue to own your own home with a lifetime mortgage which is secured against your property.

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Things to consider

As multi-award-winning equity release specialists we provide impartial advice covering your options as well as explaining what impact a plan could have on the size of your estate and if your entitlement to current and future means-tested benefits could be affected now or in the future.

We provide initial advice for free and without obligation. Only if you choose to proceed and your case completes would a typical fee of 2.2% of the amount released be payable.