Reviewing your equity release plan or mortgage

We’ll review your plan to help you decide if moving your plan is the right option for you.

Why review your equity release plan or mortgage?

Regular reviews of your equity release plan or mortgage will help to ensure that the plan still meets your needs.

Are you on the best possible rate for your individual circumstances?
Are there new plan flexibilities that would better suit your needs?
Has the money that you released allowed you to achieve your goals?

Regardless of who arranged your original equity release plan or mortgage, we will carry out a free plan review to see if changing plans is a good option for you. If it’s not the right time for you to switch, we’ll tell you.

Being able to change your plan will depend upon whether you qualify for the latest plan developments, the amount outstanding on your equity release plan including interest that has accrued and any potential early repayment charges that may be applicable. Equity release customers can use our free plan review calculator or call us free on 0800 4640 235.

Mortgage customers can try our mortgage calculator here .

Equity Release plan review calculator

Discover if you could access more money through equity release with our free online plan review calculator. It’s quick and easy to use.

Postcode

When did you take out your current equity release plan?

Who is the lender of your current equity release plan?

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.

Can I access more money?

We know that your plans and circumstances can change and you may require additional money to help you make choices about your lifestyle.

Further borrowing may be possible through your existing mortgage, through a re⁠-⁠mortgage or if you’ve already released equity from your home, it may be possible to release more, either through a pre⁠-⁠agreed reserve facility or a further advance.

It won't be an option for everyone, but we would be happy to review you plan and find out if it's an option for you.

Request a callback from a specialist

You're talking to the people who know.

We have been providing advice to our customers for over 20 years and will talk you through all your options and explain the pros and cons of each so that you're fully informed.

Our service is about finding out whether any of the solutions we offer are a good fit for you, and only then will we find the best plan for your individual needs.

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.

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