A type of equity release in which all or part of a home is sold to a provider in return for money, while the homeowner normally has a right to remain under the plan’s terms. It is not a mortgage and ownership changes.
A type of equity release in which all or part of a home is sold to a provider in return for money, while the homeowner normally has a right to remain under the plan’s terms. It is not a mortgage and ownership changes.
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 Equity Release Council and MoneyHelper. 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.
Home reversion: selling a share, not borrowing
Understand the less common product, and what to ask for.
Read the guide called Home reversion →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.
“A home reversion plan is different: you sell all or part of your home to the provider and live there as a tenant.”
Equity release, with every figure sourced and dated →“A home reversion plan is much less common and works completely differently, and it is worth knowing it exists before assuming a lifetime mortgage is the only option.”
Lifetime mortgages: the five protections →“A home reversion plan means selling all or part of your home to a provider and living there as a tenant.”
Home reversion: selling a share, not borrowing →“A lifetime mortgage is a loan secured against the house and is what most people mean; a home reversion plan means selling part of it.”
What equity release is, in plain English →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.
A type of equity release in which all or part of a home is sold to a provider in return for money, while the homeowner normally has a right to remain under the plan’s terms. It is not a mortgage and ownership changes.
It follows the Equity Release Council and MoneyHelper. 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.
On the guide "Home reversion: selling a share, not borrowing", which helps you understand the less common product, and what to ask for. A glossary entry explains a word. The guide works through what it actually means for a decision, with its sources and the date each was checked.
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.
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