Our service and cost

You'll receive a clear explanation of your options, including the potential benefits, risks and long⁠-⁠term impact, to help you decide whether releasing money from your home is right for you.

Searching a range of lenders to find the best plan for you

We’re all individuals and understanding your individual needs is the key to us finding the right plan to meet your requirements. That’s why we work with a range of lenders rather than just one.

It’s through searching all of the available plans from our panel of lenders that we can find the best one for your personal circumstances.

Our mortgage panel includes the lenders below and more.

Plans from the panel of lenders will be considered, the features mentioned and the amounts raised, are subject to the lender’s criteria, terms and conditions. these may take into account the age, health and lifestyle factors in order to provide you with an enhanced amount, if needed.

Equity Calculator

Use our free calculator to understand your equity release and mortgage options.

How much is your property worth? Please enter the approximate value of your home.

How much do you have left to pay on your mortgage? We’ll use this to calculate how much equity you have available in your home.

How old is the youngest homeowner? This affects the amount you’ll be able to release.

What is your annual household income before tax? This helps us understand the options available to release equity from your home.

What’s your email address?

By supplying your email address, you are confirming that you are happy for us to contact you via email regarding products and services relevant to your enquiry.

Advice is required to proceed with any type of mortgage and there may be other options which better suit your circumstances. Think carefully before securing debts against your property. Your property may be repossessed if you do not keep up repayments on your mortgage.

Equity release may involve a home reversion plan or a lifetime mortgage, which is secured against your property and will reduce the value of your estate and impact funding long⁠⁠-⁠⁠term care. Equity release requires paying off any existing mortgage. Any money released, plus accrued interest would be repaid upon death, or moving into long⁠⁠-⁠⁠term care. The money you release, plus the accrued interest is then repaid when you die or move into long⁠-⁠term care. We provide initial advice for free and without obligation. Only if your case completes would our advice fee of £1,995 be payable. Other lender and solicitor fees may apply.

What does our service cost?

It’s important to us that you make the right decision about your lending options and whether choosing to go ahead is the right decision for you. That’s why we provide initial advice for free and without any obligation to go ahead. This includes preparing and sending your bespoke recommendation document.

Whether choosing a standard mortgage, Retirement mortgage or equity release our fee is the same and only if your case completes would our advice fee of £1,995 be payable. Other lender and solicitor fees may apply. We will send you a full written breakdown of the costs involved as part of your recommendation so you're fully informed before deciding if it’s right for you.

Some other advisory firms may have lower fees due to only recommending plans from one lender. However, at Age Partnership we are able to offer a range of plans from across the UK market to help you find the best solution for your individual circumstances.

Life gets better with Age: We’re proud to support our customers

In 2024, we helped over 490,000 people explore their later life lending options.

Our promise to you...

You will be assigned a dedicated advisor who will guide you through the process from start to finish.
We will only recommend a solution if it's suitable for you.
We will search a range of plans from multiple lenders to find the best solution for you.
If we recommend equity release, the plans meet the standards of the Equity Release Council.
You will receive a bespoke recommendation document to read at your leisure.

Member of the Equity Release Council

We are proud to be a member of the Equity Release Council. But what does that mean for you?

Well, because we’re a member of the Council, it means that we adhere to their standards, which protect you in five main ways:

Equity release plans with fixed interest rates must be fixed for life.
You must have the right to remain in your property for life or until you need to move into long⁠-⁠term care.
You have the right to move house, providing the new property meets lender’s criteria.
You will receive a “no⁠-⁠negative equity guarantee”, meaning that your estate will never owe more than your property is worth when it is sold.
You have the right to make penalty free payments, subject to certain limits, if you wish to do so. Early repayment charges may apply above a set value.

First class service

We have won numerous awards for the quality of our service. But it’s the feedback that we receive from our customers that means the world to us.

A proud 20 years

We are proud to have been providing retirement finance advice to our customers for over 20 years.

Happy customers first

Thanks to our fantastic customers and colleagues, we have been ranked ’gold’ for customer experience, based on an independent assessment by Investor in Customers.

Multi award winning advice

Choosing a specialist solicitor

As part of your lending release application, you will need to instruct an independent solicitor to act on your behalf.

We can help you to find one and will explain how the solicitors fee for equity release works. We recommend that you choose a solicitor who specialises in equity release / mortgages, as they are more familiar with the process and may help your application progress more smoothly and quickly than an alternative solicitor.