The Financial Conduct Authority, the UK regulator for financial services firms and financial promotions. Use the FCA Register to check a firm’s status.
The Financial Conduct Authority, the UK regulator for financial services firms and financial promotions. Use the FCA Register to check a firm’s status.
Equity release may involve a lifetime mortgage, secured against your property, or a home reversion plan. It will reduce the value of your estate and impact funding long-term care.
This entry follows Financial Conduct Authority. It is a plain-English explanation of how the term is used in the UK, not a quotation, and it does not override a provider’s own wording.
Checked 7 September 2026. The whole vocabulary sits on one page, so you can look up two words in the same sentence without going anywhere: see this entry in the full glossary.
This page explains a word. It does not tell you what to do about it, and nothing here is advice about your circumstances. The guides work through the decisions themselves, and an adviser is the person who can answer a question about you.
Every guide on the site →Equity release may involve a lifetime mortgage, secured against your property, or a home reversion plan. It will reduce the value of your estate and impact funding long-term care.
These guides use the term. Each line is quoted from the page it links to.
“MoneyHelper refused the request and the FCA Register did not return a readable page to an automated check; both are marked as not reopened rather than given a date.”
How we check our figures, and what we got wrong →“The FCA rules allow a lender to assess affordability on the basis of paying interest only over the term, and list the sale of the property as an acceptable repayment strategy.”
Retirement interest-only mortgages, and the difference →“The FCA created it as a separate product from a lifetime mortgage in 2018, and it is assessed on whether you can afford the payments.”
Six things that are not equity release →“Also affordability assessed, and the FCA created it partly for this exact situation.”
An interest-only mortgage reaching its end →Each of these either appears in the definition above, or names this term in its own.
Short answers to the things that come up most. None of it is advice, and every figure on this page carries its source.
The Financial Conduct Authority, the UK regulator for financial services firms and financial promotions. Use the FCA Register to check a firm’s status.
It follows the Financial Conduct Authority. It is a plain-English explanation of how the term is used in the UK rather than a quotation, and it does not override a provider's own wording, the conditions of a plan you hold, or advice from your solicitor.
No. There is nothing on this page to fill in and nothing is collected by reading it. Looking up what a word means is not a decision, and we are not able to advise you about your own circumstances in any case.
Equity release may involve a lifetime mortgage, secured against your property, or a home reversion plan. It will reduce the value of your estate and impact funding long-term care.
One qualified equity release adviser. They will go through your figures and tell you if there is a better answer. It costs nothing and commits you to nothing.
Google Analytics, Microsoft Clarity and Vimeo. Say no and none of them loads. What each one stores, and what Microsoft use theirs for.