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Equity Release is a lifetime mortgage or home reversion scheme. To understand the features and risks, ask for a personalised illustration.

Equity release calculator UK

Your equity release scheme could provide you with a cash lump sum, regular income or a combination of both - and you do not have to make repayments. You can use our free Equity Release Calculator.
Wills and estate planningWILLS & ESTATE PLANNING
It’s important to protect the assets you’ve built up during your life. We can help you with your wills and estate planning to make certain your will distributes those assets in precisely the way you would wish.
Lasting power of attorneyLASTING POWER OF ATTORNEY
Where there is a loss of mental or physical capacity, we can advise on the profession management of personal affairs,through a Lasting Power of Attorney.

Guaranteed life cover GUARANTEED LIFE COVER
We offer guaranteed life cover, including serious illness benefit at no extra cost, without the need for a medical. Guaranteed life cover provides valuable peace of mind for you and your loved ones.
Long term careLONG TERM CARE
We can provide clear, impartial advice about long-term care and how best to pay for it.
Funeral plans FUNERAL PLANS
We offer affordable, funeral plans to protect you and your loved ones from the worry of rising funeral costs.

Guide to equity release

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For friendly, expert advice on equity release, wills and estate planning, annuities, Lasting Power of Attorney, long-term care and funeral plans, call us now on Freephone 0808 172 9355. We are based in the UK.

Click here for more information about our various services, equity release schemes, will & estate planning, lasting power of attorney, guaranteed life cover, long term care planning, funeral plans and don't forget you can use our free online home equity loan calculator.

Latest News

Surge of drawdown activity as equity release gains momentum

Homeowners over the age of 55 unlocked a record amount of housing wealth via drawdown lifetime mortgages in the final quarter of 2015, pushing annual equity release lending to a new high of ?1.61bn according to year-end results from the Equity Release Council (The Council).

Lending via drawdown products totalled ?271m between October and December 2015, the largest quarterly total since this type of lifetime mortgage first emerged in 2004. Seven in ten (70%) new plans agreed in Q4 2015 were drawdown, up from 63% in Q3 2015, as more customers opted to withdraw their housing wealth in stages to boost their retirement income as and when they need it.

Drawdown lending for the whole of 2015 was also the highest on record at ?961m. It pushed total equity release lending activity by members of The Council? to an unprecedented ?1.61bn: up 16% from ?1.38bn in 2014. Last year saw more than 22,500 new plans agreed for the first time since 2008.

The market’s second half performance was even stronger, with total lending of ?898m in H2 2015 up 21% from the previous half-year record of ?741m in H2 2014. Both drawdown and lump sum products saw H2 lending grow 21% year-on-year, with drawdown passing ?500m (?538m) for the first time in any half-year period. The value of home reversion plans – ?4.5m – was the most in any half-year period for four years (since H2 2011)

At 22%, the year-on-year lending growth rate in Q4 2015 was the largest of any quarter last year, despite a slight dip in quarterly lending from ?453m in Q3 to ?445m.


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Retirement Experience is a trading style of Financial Experience Limited which is an appointed representative of Intrinsic Financial Planning Limited and Intrinsic Mortgage Planning Limited, which are authorised and regulated by the Financial Conduct Authority.

Intrinsic Financial Planning Limited and Intrinsic Mortgage Planning Limited are entered on the FCA register ( under reference 440703 and 440718.
Wills and Estate Planning are not regulated by the FCA

The guidance and/or advice contained in this website is subject to UK regulatory regime and is, therefore, restricted to consumers based in the UK.

Equity Release is a lifetime mortgage or home reversion scheme. To understand the features and risks, ask for a personalised illustration
Retirement Experience will never charge you for your initial enquiry or consultation, so it will never cost you to find out if an equity release plan is right for you. A fee is only payable on completion of a suitable plan. This fee is typically £1795.