Equity Release

The value of your home, minus any outstanding mortgage and any other loans secured against it, is the equity you have in your property. This equity is often passed on as an inheritance, however an increasing number of people are tapping into some of this wealth to help boost their retirement lifestyle.

Retirees in or approaching retirement are finding themselves asset rich but cash poor.

Like many others, your home is likely to be your greatest investment, with more value

locked in it than your pension and savings combined.

Home owners aged 55 to 95 can use equity release plans to unlock the cash that’s tied up in their homes. They can generate a tax-free cash lump sum, which can be used in any way; home improvements, holidays, help with daily living costs or gifts to help family members. The equity released could help their kids or grandchildren raise a deposit for a new home or help them pay off large debts.

Are you eligible?

Tens of thousands of people are already enjoying the benefits of unlocking the cash from their

home. However it’s not suitable for everyone, which is why it’s important to get independent

advice before you make a decision.


You may be eligible for a lifetime mortgage if:

  • Your aged between 55 – 95

  • You are a home owner with a property worth at least £70000

  • You are a UK resident

Clients can typically expect to release up to 55.5% of their homes value, depending on their age, health and lifestyle.

Please note that Mortgage Tree cannot advise on Equity Release we would only be able to provide a referral service to an authorised equity release adviser who would be able to assist you further with your requirements. 

  1. Equity release may involve a lifetime mortgage or a home reversion plan. To understand the features and risks, ask for a personalised illustration.

  2. Equity release may impact the size of your estate and it could affect your entitlement to current and future means-tested benefits.

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“Mortgage Tree showed me how to improve my credit rating as I had a few issues with my credit previously. As a result of their excellent advice I have now secured a mortgage at a great interest rate. They also helped me sort out life & critical illness cover which offers great protection for myself and my family. Mortgage Tree offers a fantastic service and I recommend them wholeheartedly.”

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Mortgage Tree offers a nationwide mortgage broking service from our base near York, North Yorkshire. We specialise in mortgages and insurance. Whether you are a first time buyer or you are a buy to let investor with multiple properties, Mortgage Tree will ensure that you get the best products available.

We are a Whole Of Market broker which means that we will choose the best, most suitable mortgage for you from the hundreds available on the UK mortgage market. Our network also gets special discounted deals from lenders available only to our network.

We also provide insurance cover that will give you & your loved ones a blanket of protection that is so vital. We will endeavour to give you the best service that we can at all times.

Mortgage Tree is an appointed representative of Julian Harris Mortgages ltd which is authorised and regulated by the Financial Conduct Authority. Our FCA no. 304155

The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Full details of the FOS can be found on its website at www.financial-ombudsman.org.uk



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01904 263012