Equity Release

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Most peoples biggest asset is their home.  The average house price in the United Kingdom has risen significantly over the last 20 years.

Put simply equity release is a way of releasing some cash from the home without having to move. Two of the most common ways to release cash and remain  in the home are Lifetime Mortgages and Income Plans.

To be eligible for most schemes you should be aged between 55 to 70, have a property that is worth at least £30,000.00 to £40,000.00 and ideally be freehold.  There are a number of questions you should consider before proceeding, for example:-

  • Does the scheme allow you to move house if you need to as one day you might want to move into sheltered accommodation?
  • What does your close family think of your proposals?  Do they know that it might reduce what they would expect to receive on your death?
  • Does the scheme affect any benefits you receive?


Sarginsons Law have acted for clients in connection with these schemes for many years and have considerable experience in handling such cases.


23rd February 2019

Sarginsons Law