A printable list of the paperwork an adviser, a valuer or a solicitor is likely to ask for, and where each one usually lives. Gaps are normal; several of these can change the answer entirely.
None of this commits you to anything and most of it is in one drawer. Somebody who arrives holding it gets a far better first hour.
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.
Because the first conversation is much shorter and much more useful when the facts are already on the table, and because several of these can change the answer entirely.
None of it is a commitment. You can gather all of it, look at what it tells you, and decide against the whole thing.
Whatever survey you had when you bought the house. It says what the property is made of, and that single sentence decides more than anything else on the list.
Why the construction matters →Whether any of it means yes or no. We cannot read your title, interpret your lease, classify your construction or assess your benefits. What this list does is put the right documents in front of the people who can.
Advice is required to proceed with equity release and there may be other options which better suit your circumstances. Only if your case completes would an advice fee be payable, and the adviser will tell you what theirs is before you commit to anything. Other lender and solicitor fees may apply.
Print this and work through it. Gaps are normal and not a problem: an adviser will help you chase what is missing.
Which of these do you actually need from me?
Ask early. Some advisers want more than others and it saves a second round of digging.
Is anything here likely to be a problem?
Better raised by you at the start than found by a valuer at the end.
What is missing that I should try to get?
Gaps are normal. Knowing which ones matter is the useful part.
Short answers to the things that come up most. None of it is advice, and every figure on this page carries its source.
Because it is much shorter and much more useful when the facts are already on the table, and because several of these can change the answer entirely.
No. You can gather all of it, look at what it tells you, and decide against the whole thing.
Most of it is in one drawer. The checklist on this page exists so that the search happens once rather than in instalments over three phone calls.
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.