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Service you can trust
We believe that everyone deserves financial security. Our dream is to help people like you access the expert advice they need, whenever they need it.
We understand that choosing to release equity is a big decision, which is why we only work with trusted advisers who give independent, whole of market advice and who are all members of the Equity Release Council.
We've always got your best interests at heart
Our expert partners only work with providers registered to the Equity Release Council, the industry body for equity release.
You'll always get the deal that’s right for you.
Complete our form to connect with your expert.
We are proud members of the Equity Release Council
The Equity Release Council is an industry body founded in 1991 that oversees the equity release industry to ensure safety.
Peace of Mind - The Equity Release Council Guarantee
Equity Release is a big decision, and the Equity Release Council (ERC) sets industry standards that help protect customers and provide peace of mind. Products and advice from ERC member firms are regulated by the Financial Conduct Authority (FCA), ensuring you receive expert guidance and robust safeguards.
When you choose a provider who follows the Equity Release Council’s standards, you’re guaranteed:
- A No Negative Equity Guarantee: You’ll never owe more than your home’s value.
- The Right to Stay in Your Home: You can remain in your home for life.
- The Right to Move: Transfer your plan to a new property if you wish.
- The Option to Make Partial Repayments: You can make voluntary, penalty-free repayments, subject to your provider’s terms.
- Fixed or Capped Interest Rates for Life: Protection against unpredictable rate increases.
Additionally, the Financial Conduct Authority requires all customers to receive expert financial advice before taking out a lifetime mortgage or home reversion plan—ensuring you make an informed decision.
What is the Equity Release Council?
The Equity Release Council is the UK’s industry body for equity release, established in 1991 to set standards and protect consumers.
Members must follow a strict Code of Conduct, which includes requiring customers to receive advice from a qualified equity release adviser, meet with an independent solicitor, and have clear interest rate options on lifetime mortgages, with fixed rates or a capped variable rate.
Not all equity release advisers or providers are members of the Equity Release Council. While we do not provide equity release advice, we only introduce customers to advisers and providers who are Equity Release Council members, helping ensure high standards of consumer protection.
