What is a Lifetime Mortgage?
A lifetime mortgage is a loan secured against your home that allows you to release tax-free cash while continuing to live there. Unlike a standard mortgage, there are no monthly repayments - the loan plus interest is repaid when you pass away or move into long-term care.
With modern lifetime mortgages, you can choose to receive a lump sum, regular payments, or a combination of both. All plans from Equity Release Council members come with a "no negative equity guarantee", meaning you'll never owe more than your home is worth.
Stay in Your Home
Retain full ownership and the right to live in your home for life with a lifetime mortgage
No Monthly Payments Required
Interest rolls up and is repaid when the plan ends
Protected Value
Never owe more than your home is worth
How Much Could You Release?
The amount you can borrow depends on your age and property value. Generally, the older you are, the more you can release. Typically, homeowners can access between 20-60% of their property's value.
Get Your Free Lifetime Mortgage Quote
Find out how much you could release from your home with no obligation
Get Started