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Retirement Experience only recommends providers who are members of the Equity Release Council (formerly Safe Home Income Plans, or SHIP).

The aim of the Council is to protect you, the client. It also works to increase financial knowledge to help you make informed decisions. At Retirement Experience, we share the principles of the Equity Release Council:

  • Clients have the right to remain in their property for life, provided property remains their main residence.
  • All Council plans carry a ‘no negative equity’ guarantee. You will never owe more than the value of your home.
  • Clients will be provided with fair and complete presentations of their plans, including all costs involved in setting up the plan, along with the tax implications and the effects of changes in house values on their loan.
  • The client’s legal work will always be performed by a solicitor of their choosing. The solicitor will be required to sign a certificate that states the plan has been explained to the client to their satisfaction and they understand all risks and benefits.
  • Clients have full rights to move their plan to another suitable property..
  • The Equity Release Council certificate will clearly state the main cost to the householder’s assets and estate. This includes how the loan amount will change, or whether part/all of the property is being sold.


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