There is no shortage of writing about equity release. Most of it carries no source, no date, or a date at the top of the page that has nothing to do with the figures underneath. This page is the list of what we have published so far, what we are writing next, and the standard all of it is held to.
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.
Nothing in any of these guides is advice, and none of it is written to move you towards taking out a plan. Several of them are written so that you can read one and decide equity release is not for you.
60 guides in 7 groups, each with the date its figures were last checked against a primary source.
What it is and what actually happens, written last so they could point at everything else.
The rate, the fees, and what the debt does over thirty years.
The two kinds of plan, and the standards a provider commits to.
The downside, the alternatives, and the consequences nobody volunteers.
The features that turn a straightforward case into a question, what lenders actually publish about each, and one page that indexes them all, where you can narrow the list to the features your own home has.
What to find, what to ask, and how to check the person in front of you.
The vocabulary, and the two collections that gather everything by subject.
No guide matches that. Try a shorter word or use the groups above. If you are looking up what a word means, the glossary defines 289 terms.
Four rules, and the third one is the one that makes the site look worse and be better.
A rate comes from the lender's own published rate sheet. A criterion comes from the lender's own published criteria. A market figure comes from the body that produced it. Not from a summary, not from another website, and not from an email.
The date on a figure is the date a person opened the source and read it, not the date the page was edited. That is why a page can be updated and a figure on it can still say last month.
A figure in [brackets] has not been checked against a primary source this week. It is published in that state, and the page says so, because the alternative is a number that reads as verified when it is not.
A rate without the circumstances it was quoted against is not information. A loan-to-value without the age it applies to is not information. They go on the page together or not at all.
Tell us and we will correct it. Use the form at the bottom of this page and say which figure and which page. We would rather be told than be wrong, and a correction costs us nothing except the correction.
Rates and lender criteria move constantly, so this is not a hypothetical. It is the expected maintenance cost of publishing figures at all, and it is the reason most sites in this category quietly stop updating theirs.
This list is here so you can check we kept to it. Every one of these would get us more traffic than what we do instead.
Rates and criteria move constantly. A ranked table goes stale within weeks and reads as a recommendation, and a recommendation is advice. Our lender tables are sorted alphabetically for exactly this reason.
A tick against a property feature compresses a valuation and an underwriting decision into a promise nobody can keep. What a feature does is raise a question, and we say what the question is.
No checker, no score, no yes or no. We are not advisers, and a site that pre-qualifies people is doing something it is not permitted to do. The calculator gives a maximum, not an offer.
Particularly where that lender does not offer the product. The regulator removed hundreds of promotions for this and it is dishonest besides.
However true it might be, and however much a layout wants one. The whole reason this site exists is that the incumbents advertise rates that are years out of date.
A guide that only rephrases a lender rule adds nothing, and in a subject this consequential it copies errors into somebody's decision about their home.
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.
Short answers to the things that come up most. None of it is advice, and every figure on this page carries its source.
Guides about equity release, each with the date its figures were last checked against a primary source. They are grouped by the situation you are in rather than by product.
Every figure carries its source and the date we opened it. Where a figure cannot be verified it stays in brackets rather than being replaced with an estimate, and nothing is rounded or extrapolated to make a page read better.
Anything we cannot source, any figure presented as a personal quote, and any recommendation. We are not advisers and pushing somebody towards taking out equity release would be advice.
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.