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Common Equity Release questions.

Please contact us with your Equity Release query

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Ask our Support Team

Why should I take out an Equity Release Mortgage? 

Equity Release mortgages allow you to release capital that is tied up in your home. The money released can be used to supplement your pension income or to spend how you wish.

What is the interest rate on Equity Release?

 Interest rates will vary from provider to provider. They are affected by the loan to value of the property and the amount borrowed. Our advisers will explain the range of products to you. 

Can I sell my house if I have Equity Release?

Typically, Equity Release plans will allow you to move your mortgage to a new property if you decide to sell your house. However, this might trigger an early repayment charge. Please call us to discuss this further.

Is Equity Release safe?

All Equity Release products are safe as they are regulated by the Financial Conduct Authority (FCA) and governed by the Equity Release Council (ERC). With Lifetime Mortgages, you always own your home, and an increase in its value is yours. Furthermore, all Equity Release mortgages have a "No Negative Equity Guarantee".

What can I use the money for?

The money can be used for a variety of purposes. For example, helping your children, home improvements, holidays are simply to supplement your income.

Lump Sum Lifetime Mortgages

Interest-Only Lifetime Mortgage

The Equity Release Process

Working with HB Partners



An informal introductory conversation 

Your mortgage adviser will ask exploratory questions to gain an understanding of your situation. Following this, you will be shown the options available to you. Such as "How much can I borrow?"

Now that we know your circumstances, we will look for the most appropriate Equity Release product to meet your needs.

Our Expert Recommendation



Discover the right Equity Release mortgage for you

Our mortgage experts will take you through the options and will be on hand to answer any questions that you might have. We also believe it is important to include your family in this process. 

Once you are all comfortable with our recommendation, we will submit the application on your behalf. We manage all stages of the process and keep you updated all the way through to completion.

Full application

The choice in the Equity Release market can be confusing with so many providers to choose from. Your adviser will take the confusion out of Equity Release and present the options clearly and simply, allowing you to make sense of the products available. 

What is 3 + 5 =

Equity Release

Helping you to secure the right 

Equity Release mortgage for your home

Call us 01923 964160

If you would like to discuss your Equity Release needs, please call on 01923 964160

Meet our Advisers

01923 964160


Equity Release refers to a range of products that allows people over the age of 55 to access equity tied up in their home.

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Equity Release is a good idea if you are looking to unlock tax-free cash tied up in your home. This can be achieved without the need to make monthly repayments.

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Most Equity Release providers require all named applicants to be a minimum age of 55.

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This will depend upon your circumstances, and is determined by your age and the value of your property.

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Frequently Asked Questions

We're always ready to help. Ask us anything

If you have a specific question, click the button below, and we will do our best to answer this for you.

This is a lifetime mortgage. 

To understand the features and risks, ask for a personalised illustration.

Check that this mortgage will meet your needs if you want to move or sell your home or you want your family to inherit it. If you are in any doubt, seek independent advice

An equity release plan will reduce the value of your estate, will not be suitable for everyone and may affect your entitlement to state benefit.

Why use us?

We provide expert professional advice to homeowners and first time buyers on mortgages, remortgages and buy to lets.

We have over 25 years' experience in the mortgage industry, offering a wealth of knowledge and the highest standards of professionalism. 

We are qualified to advise you on your equity release requirements.

We don’t sell. We listen objectively and identify financial risks which allow us to put in place the best insurance policy available.

Where necessary, we have direct access to senior underwriters in some of the biggest insurance providers in the UK.

We have access to technical insurance portals to analyse the best providers and policies across the whole of the market.

Get in touch

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What our clients say

"We strive to offer our clients the best possible service, so that they become clients for life.

Your feedback is valued, and by listening to you, our relationship becomes stronger"  

Please click here to see the full list of reviews

Mark Culham 

Adviser & Co-Founder

Steve Jascourt

Adviser & Co-Founder

"I get satisfaction about having ‘real’ conversations with people about why having the right cover in place is so important. I also take a lot of comfort from knowing that our clients are covered should the worst happen."

“Arranging mortgages for my clients impacts positively on their lives, and gives me immense job satisfaction. When a client returns for repeat business, or refers family and friends to me, I know that I have done a great job.”

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